Estate planning is the process of anticipating and arranging, during a person's life, for the management and disposal of that person's estate during the person's life and at and after death, while minimizing gift, estate, generation skipping transfer, and income tax.
We provide numerous products to the small business owner allowing them to protect their families, employee's, and partners through specialized Life and Health Programs designed to protect them from loses due to a death or illness.
Retirement planning, in a financial context, refers to the allocation of savings or revenue for retirement. The goal of retirement planning is to achieve financial independence. We use numerous plans like annuities, Universal Life, Indexed Universal life etc..
Mortgage Protection Planning
Mortgage protection insurance (MPI) is a type of life insurance designed to pay off your mortgage if you were to pass away — and some policies also cover mortgage payments (usually for a limited period of time) if you become disabled.
Final Expense Planning
Final expense insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. Final expense insurance is also known as burial insurance. We also cover pre-need cremation services in select states.
Life Insurance Planning
A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. Typically, life insurance is chosen based on the needs and goals of the owner. Term, Accident, Universal, Indexed Universal, and Whole Life.