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Wheat Field



Index Universal Life

Indexed Universal Life Insurance is considered to be one of the most flexible types of life insurance available in the marketplace today. This product maybe ideal for those who are more  focused on cash value accumulation for lifetime needs. You can have a plan structured to provide you a stream of tax-free retirement income. Many investors use it as a working capital account. Many parents use their IUL policy as a college savings plan since it offers more flexibilities than a 529 plan.

  IULs offer adjustable premiums which allow policyholders to maximize their cash value.  Even better, policyholders have access to their cash value at any age, for any reason through policy withdrawals or loans. 



Our term products may be ideal if you:​

  • Require larger amount of insurance or want an additional coverage to supplement permanent life coverage.

  • Are interested in purchasing term life insurance today, but with the option to convert to a permanent policy in the future with no additional evidence of insurability.

  • Are interested in purchasing term life insurance that can provide living benefits.


Whole Life

If you are someone who is looking for predictability, flexibility, and convenience with one policy that helps you to protect your family and save for retirement, Whole Life may be the solution. 

Our Whole Life policy is designed for individuals who want guarantees and death benefit protection over cash value accumulation. 


Fixed Indexed Annuity

In today's volatile economy, it is important to have a safe and secure place to save for retirement. Why many people are considering fixed indexed annuity products:

  1.  Lifetime Guaranteed Income.

  2. Protection from market downfall.

  3. Tax-deferred growth, death benefit, and annuitization options.

  4. Potential to earn higher returns than bank products.

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