Peace of Mind Starts With Protecting You, Your Loved Ones and Your Business
Enjoy the confidence of knowing you and your loved ones are medically and financially protected and your business is financially protected as well, no matter what life brings.
Through our array of the best insurance provider partners both in The United States of America and Canada, insurance with living benefits solutions are tailored to give you lasting peace of mind, security, and support when it matters most.
Why Life Insurance Is More Valuable Than Ever
Health Safety & Protection
Protection for Deadly Illnesses & Diseases – Get financial relief in the event of an unexpected deadly illness, such as a terminal illness, chronic illness, critical illness, or critical injury – or a qualifying diagnosis of Alzheimer’s disease or Lewy Body Dementia.
Wealthy patients always have a higher survival rate from a deadly illness. Hence, since people who enrolled in an IUL insurance plan would get money from the plan in the event of a deadly illness and they are more likely to survive the deadly illness.
Wealth & Legacy Growth & Protection
Wealth Building – Build, grow, maintain, safe, protect & transfer, all with expert strategies. Compound interest & potential for wealth/ cash value accumulation to million dollars.
A portion of your premiums goes into the cash value account and the cash value grows based on the performance of a selected index like the S&P 500.
If the market is up, you get some of the gain, but if the market is down, your account is locked, and you don’t lose anything
Wealth &Tax-Free Guaranteed Easy Access to Cash & Income for Life
Access to Cash – Can be used for, but not limited to; Buy cars, properties, lands, malls, complexes, estates, apartments, houses, appliances, electronics, furniture, stocks, businesses, equipment, shares, Pay off cars, properties, lands, mortgages, businesses, credit cards, debts, bills, Do modifications, furnishings, investments, businesses, expenses, parties, etc.
Retirement income continuously, so you can retire with confidence
Indexed Universal Life (IUL) with living benefits
Ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income. You don’t have to die to benefit from life insurance coverage.
With life insurance with Living Benefits, you can also get money during your lifetime when there’s a qualifying event.
Offers
- Flexible death benefit
- Flexible premium
- Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.
- Downside protection through minimum guarantees to ensure that your cash value will not decline due to decreases in the Index.
Term Life with living benefits
May make sense for those who have budget limitations, large protection needs or temporary need.
Offers:
- Guaranteed death benefit for a fixed period
- Fixed premium.
- No cash value.
- Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured.
- Initial premiums tend to be lower but will eventually increase.
Long Term Care
These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation.
Offers
- Guaranteed death benefit
- Guaranteed cash value
- Potential additional cash value by the receipt of any dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company.
- Level premiums that are guaranteed to never change.
We’re a trusted agency that partners with some of the best insurance providers across The United States of America and Canada to help you turn your dreams into reality.
Tax-free financial support for your family.
Potential for tax-efficient income replacement & Customizable options through riders
Why Life Insurance with Living Benefits is More Valuable Than Ever
Life insurance with living benefits isn’t just about protecting your family when you’re gone; it’s about empowering the life you’re living right now.
Modern life insurance goes beyond the traditional. With a permanent policy, you can build cash value over time, a resource you can tap into for major life expenses like education, emergencies, or even retirement.
It’s protection with purpose for today and tomorrow.
Help you save for retirement
Life insurance with living benefits create a win-win situation for you and your dependents. Your loved ones’ financial future stays secure. And the payout you receive, along with whatever bonuses you get, can be used to fulfil other goals, such as your retirement fund.
Help pay off debt
The primary purpose of life insurance with living benefit is to replace your income while you’re still living. So, aside from covering debt, you may need this coverage if anyone relies on you financially. The payout can replace your salary and give your loved ones the cash they need to maintain their lifestyle.
Help you cover end-of-life expenses
While it’s designed to cover end-of-life expenses, such as medical bills and funeral or cremation costs, your beneficiary can use the death benefit for any purpose.
Help pay for college tuition
College is expensive. It costs tens of thousands of dollars each year to attend a four-year college or university. And the costs continue to rise. Clients could incorporate a fixed index universal life (FIUL) policy into their college financing strategy to help pay for the cost of higher education.
Health Benefits available under Life Insurance with Living Benefits
Life Insurance with Living Benefits plan will help you get money from the plan in the event of a deadly illness and you are more likely to survive the deadly illness.
Here’s why you need this policy cover;
- Financial relief in the event of a qualifying illness or injury.
- Get money in the event of a qualifying health emergency.
- Helping you survive when life throws you a curve ball.
Qualifying Critical illnesses covered
- Cancer
- Stroke
- Aplastic Anemia
- Sudden Cardiac Arrest
- Motor Neuron Disease
- Paralysis
- End-Stage Renal Failure
- Coma
- Cystic Fibrosis
- Heart Attack
- Heart Valve Replacement
- Major Organ Transplant
- With over 50 other critical illnesses been covered
Get covered TODAY!
Some Covered Critical Injuries include Coma, Paralysis, Severe Burns, Traumatic Brain Injury and more
Some Covered Qualifying Chronic Illnesses include Cognitive Impairment or Clinical certification that you cannot independently perform these six ADLs; Bathing, Eating, Dressing, Toileting, Continence and Transferring
Some Covered Terminal Illnesses include diagnosis with a health condition expected to result in death within 12 or 24 months and Qualifying diagnosis of Alzheimer's Disease or Lewy Body Dementia
You can supplement college funding using life insurance with living benefits
College is expensive. It costs tens of thousands of dollars each year to attend a four-year college or university. And the costs continue to rise. Clients could incorporate a fixed index universal life (FIUL) policy into their college financing strategy to help pay for the cost of higher education.
While many people buy life insurance to provide their loved ones with a death benefit that is generally paid income-tax-free to beneficiaries, there are other ways the policies can be useful to clients. With the accumulation potential of FIUL insurance, the policy’s accumulation value has the potential to build over time. The cash value of the policy can be accessed through policy loans or withdrawals, which can be used to help pay for college tuition.
Using an FIUL policy to help pay for college has unique benefits compared to other funding sources for the middle market.
FIUL as part of a college funding strategy has tax advantages. These policies offer a generally income-tax-free death benefit, tax-deferred accumulation potential, and income-tax-free loans and withdrawals. This benefits FIUL as part of a college funding strategy. The money in the policy has the opportunity to grow before taxes and take advantage of future compounding. What’s more – the loans or withdrawals taken for tuition are income-tax-free.
The policyholder has the flexibility and control to decide how to use FIUL. The available cash value as part of the policy can be accessed for any purpose. That means the funds are not earmarked for specific purposes like other financial products. So, while the funds could be used to pay for tuition, the funds do not have to be put toward college. This provides flexibility for clients whose children may not go to college.
There aren’t eligibility requirements to use the cash value in an FIUL policy. And, at the same time, money received from policy loans generally will not affect a student’s eligibility for other financial aid. Withdrawals made from the cash value of an FIUL policy do not count as income.