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Life Insurance 

Whether you are planning to leave your family in a secure position after you have passed or simply just not wanting to be a burden on others, there are plans to meet your goals.  Our biggest passion has always been to help individuals get the very best medical care when they need it most.  We always wanted to help our clients with the most options possible to get the care needed to save their lives.  We still do.  That is why we are surrounding ourselves with plans that will help you in your later years so you do not have to worry and stress over outliving your money.  Whether you are one of the fortunate ones to live beyond what you ever imagined or if THAT day comes too soon, we want to help you. Don't blink your eyes and regret not making the investment in your future before your future is here.

Quote by Zig Ziglar that says, "What you do today can change all the tomorrows of your life."
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background photo taken in Oklahoma at the National Preserve near Mt Scott

Term Life

We have searched the market to find some of the best rates available.  These plans are designed to get you through the tough working years, raising a family, paying for your home and not wanting to leave that financial burden on your loved ones.  They make perfect sense to solve the purpose of Life (DEATH) Insurance without costing an arm and a leg. We are big fans of term-life policies and would love to share more with you today.

background photo taken in Oklahoma at the National Preserve near Mt Scott

Whole Life

Whole life policies are designed to be there as long as needed.  If you outlive a term policy, then it is lost.  A whole life policy gives you the security of not worrying about how long you might live. It does cost more for that eliminated risk, but the added security and the cash value of the policy might be worth it for you.  It is the safest, long-term option for life insurance.

background photo taken in Oklahoma at the National Preserve near Mt Scott

Indexed Universal Life (IUL)

Universal life has a greater range of risk and reward.  If you are looking for more than just a death benefit, then keep reading.  An IUL has built-in growth, dependent on the market index.  It can increase the cash value of the policy when the market is up, and decrease when the market is down. If you enjoy a little more risk/reward and have time to watch the growth of your cash value, then this could be more for you.  Just keep in mind, we will always encourage you to purchase a life insurance policy with the death benefit in mind first.  There are many different ways to invest your money for financial growth, and this is only one minor way of doing so.  

image of scales showing we have a choice
Compares Term Life, Whole Life and Universal Life policies. Term life policies are the least expensive options and lasts until the length of the term chosen. The monthly premiums and death benefit are fixed. It has no cash value, dividends or returns. The primary risk of a term life policy is outliving the length of the term, because the policy isn't worth keeping and you lose the investment. Whole life policies can be kept for life and the premiums are fixed, but much higher than term or universal policies. There is cash value and dividends are available through mutual insurance companies. You can borrow against the cash value, but the cash value does not grow as much as universal life policies. Indexed Universal Life policies are for life and cost less than whole life, but more than term policies. The premiums and death benefits can be adjusted over time. There is cash value if the plan's investment portfolio does well. It is tied to the market and can fluctuate up and down.

Fixed Annuity options Coming Soon

* For now, we are not offering variable annuities or variable universal life plans. They require an Exchange license and are not in our area of concern.  We want to help families with their health coverage needs and security of life insurance for the inevitable.  Fixed annuities are a more conservative way to invest in your future without the risk of market fluctuations.   We will leave the variable options for the other guys.

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