We Have A Wide Range of Coverage
We Have A Wide Range of Coverage
Check out the many lines of coverage.
I'm always adding to my knowledge and certifications.
Check back often.
You never know what I may want to become proficient in next.
I love helping Families!
Let's get you covered, so you know your family is safe.
Life Insurance
Life Insurance
Every minute
120 PEOPLE DIE
If you are 35
make $50,000 per year
plan to retire at 65
...and you die,,,
This creates a $1,500,000
deficit in income
for your family
Somebody has to
raise those kids!
Why not fix that deficit now?
Mortgage Protection
Mortgage Protection
91% of people
LOSE THEIR HOME
upon the death of a spouse
a critical illness
or a critical injury
That does not have to happen.
It can be fully or partially paid off. If you owe $100,000 and buy a $50,000 policy, pay the house down another $20,000 and then pass away, your spouse will only need to refinance $30,000.
That's cheaper than rent.
If you want to sell the home we can do an EQUITY PROTECTION policy that gives you enough to sell the house, rescue the equity, and use it for a down payment on a smaller, more affordable home.
Why wait?
Final Expense
Final Expense
Ok. The TERM policy your agent wrote you 30 years ago has ended.
Everyone needs A
FINAL EXPENSE policy.
Too many people, upon the death of a parent,
or spouse,
use the
BBS system.
BEG, BORROW, STEAL
to bury their loved one.
Don't allow this to happen. I can get up to $25,000 on ANYBODY,
NO MATTER YOUR HEALTH
LOCK IN THE PRICE
FOR LIFE
IT WILL GET HIGHER
WITH EVERY BIRTHDAY
Critical Illness
Critical Illness
1/2 of all men
1/3 of all women
WILL GET CANCER
in their lifetime
8.5 million Heart Attacks per year
Stroke: every 40 seconds
100% – Internal Cancer
or Malignant Melanoma,
Heart Attack, Stroke,
Alzheimer’s Disease,
Major Organ Transplant,
Blindness, Paralysis,
Deafness, Kidney Failure
25% – Coronary Artery
Bypass Surgery,
Coronary Angioplasty
Intensive Care Unit
Cash Value
Lump-sum payment
Return of Premium
upon Death
Individual, Single Parent,
Family
Lifetime Coverage
Term – 10, 15, 20
or 30 years
Debt Free Life
Debt Free Life
Between mortgages, loans, credit cards and medical expenses, the journey to achieving the American Dream can leave many of us saddled with debt. Because of these debts, a large portion of our lifetime earned income will go towards paying interest. As a result, our retirement savings are crippled.
The solution is Debt Free Life
Debt Free Life is an insurance solution that builds a cash value over time. As your cash value grows, you can eliminate all your debt incrementally and save the balance for retirement - without spending any additional money. With Debt Free Life, you can create a long-lasting legacy for your family by achieving financial freedom and retiring with tax-favored income..
Disability
Disability
Think About It
Your income supports it all – your home, car, groceries, life insurance,
retirement savings, and future plans. When a disability strikes, life
can change in an instant.
Medical expenses grow. Family life is disrupted. Your savings and retirement
funds are at risk. They could be depleted quickly in order to keep the bills paid
while you recover.
What Would You Do?
A disability can last months, years or a lifetime. A disability lasting two years
would mean 104 weekly paychecks missed. Even if you were disabled for just
six months, that’s 27 weekly paychecks you won’t have.
It takes a minimum of 5 months for Social Security Disability to begin. Most of the time its a year or more.
Can your family survive
without income that long?
Call for Rates
Retirement
Retirement
Why pay taxes on your
RETIREMENT?
Grow your cash in an
Insurance Policy.
It grows
TAX-FREE
and can stay tax-free
if done correctly.
This takes advantage of market gains, but with
ZERO LOSS
when the market goes down.
YOU NEVER HAVE TO
LOSE YOUR
RETIREMENT DOLLARS
AGAIN.
Contact me for details.
Rollovers
Rollovers
When you retire
you will need to move your
401k
or IRA
out of the company
into your own name.
Why consume it?
If you have a lump-sum payout
or just tend to keep your
money is CD's or Savings Accounts
FIXED INDEXED
ANNUITIES
are the safest product around.
It protects your nest egg
grows interest credited on a
market index
but
NEVER LOSES A DIME
Don't pay someone to
manage your money.
Protect it in insurance
NO MATTER HOW LONG
YOU LIVE
YOU WILL HAVE A STEADY INCOME
with a guaranteed lifetime rider
If you pass away
the remaining dollars
go to your spouse or children
Med Sups
Med Sups
Learn how to get the best Medicare plan and avoid penalties.
While aging may come naturally, understanding Medicare doesn’t. I will help you understand
the various Medicare enrollment periods,
what you can do,
and when you need do it.
Dental/Vision
Dental/Vision
Good dental care is important to your overall health. You know that.
But do you know Medicare doesn’t cover dental services? That means
dental bills have the potential to take a bite out of your savings.
PREVENTIVE SERVICES
• Cleanings
• X-rays.
BASIC SERVICES
• Fillings
• Extractions
• Emergency Treatment
MAJOR SERVICES
• Crowns
• Dentures
• Bridges
• Root Canals
• Periodontics
VISION CARE
$8.28/mo
EXTRA
Accidents
Accidents
Every 14 minutes
someone dies in a traffic accident.
Many times its multiple people.
Its not uncommon to have Emergency Room, Surgical, MRI or CAT scan bills. Lawsuits are very probable if you are at fault and other families or property are involved.
What if you, or your child, causes
a multi-vehicle pile-up
like the ones in the news lately?
DOES YOUR FAMILY HAVE THIS KIND OF CASH?
ACCIDENTS
ARE THE #1
CAUSE OF DEATH
TILL AGE 60
#4 FOR ALL AGES
Is your job dangerous?
What about your recreation?
Do you have medical issues that could mean
passing out driving?
Do you hang Christmas lights?
What if you fell off the ladder?
NO OCCUPATION OR HEALTH QUESTIONS
GUARANTEED ISSUE
UP TO HALF A MILLION
AGES 18-70
COVERAGE STOPS AT AGE 80
125% if it involves a motor vehicle
200% if Common Carrier
FAMILY POLICIES AVAILABLE
Cash Growth Policies
Cash Growth Policies
*ELIMINATE DEBT
*GROW RETIREMENT
*USE THE CASH
INSTEAD OF A CREDIT CARD
WITH HIGH INTEREST
SIMPLE INTEREST RATE LOANS
*CREATE YOUR OWN
LINE OF CREDIT
*ADD TO YOUR BUSINESS'
NET WORTH
FOR AN EXIT STRATEGY
IT MAKES YOUR BUSINESS
WORTH MUCH MORE
UPON SELLING IT
*COVER KEY EMPLOYEES
BECOME YOUR OWN BANK
*PAY OFF YOUR CHURCH
OR BUSINESS
ASK ME HOW?
Children's Coverage
Children's Coverage
We can start with a simple child's WHOLE LIFE policy that they can add to at certain life milestones with zero further medical underwriting from $5 per month
or
Do A Smart Start Program
that will grow cash to finance their life at all milestones:
BUY A HOME
Start A Business
RETIREMENT AT A REASONABLE AGE
By contributing a small amount each month into this Tax-Free College Savings & Life Insurance Plan, you can give your child the head start they need to obtain financial security later in life; and with your child’s plan being indexed to the Standard & Poor’s 500 and growing tax-free with no market risk of loss, any contribution whether $50 or $200 can have a dramatic impact.
You can put $100 under a mattress each month and at age 18 have about $21,600 or put $100 into the Smart Start Program. Projected college cash at age 18 is $9,000 per year for 4 years. Tax-free growth. $36,000 in total. By age 31 projected cash value will have grown an additional $47,000.
A LOT MORE than mattress money.
If the child continues to contribute into the program by age 65 projected cash value will be 1.6 Million. This can be an extra retirement stream of $256,000 per year. Because it’s a life insurance policy there will be death benefits and Critical, Chronic, Terminal Illness; Critical Accident coverage as well.
Health
Health
Coming Soon
Coming Soon