Individual Life Insurance
Life Insurance is something no person should be without. Life Insurance not only protects your loved ones when you are gone but also acts as an asset during your lifetime.
Cash Value Life
Cash Value life is a life insurance policy that builds cash value. Policies with cash value enable you to leverage pennies into dollars, while providing a cash asset that can borrowed from, annuitized or used to supplement retirement, all the while providing a death benefit.
Term Life
Term life is designed to provide a death benefit during a set “term” of years. This policy provides the largest amount of death benefit for the lowest premium. Additional benefits can be added to this policy, such as:
- Waiver of Premium - keeps your policy in force if you become disabled
- Coverage on Children - to provide a death benefit on your dependent children
- Return of Premium – the insurance company returns your premium if you outlive the policy
To learn more about Life Insurance, click here.
SPIA Arbitrage
SPIA Arbitrage is an extremely effective way to reduce your estate tax liability, gain a significant return on your money, establish a guaranteed income for the rest of your life, and leave a tax free inheritance to your loved ones. Though the name may be odd, this program is perfect for anyone over the age of 65 who is blessed to have money they are not living on and would like to gain these benefits.
To learn more about SPIA Arbitrage, click here.