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Services and Solutions

Whole Life Insurance

A whole life policy is a “permanent” plan, which has a death benefit and is designed to last your entire life. Plans have cash growth and liquidity to use for medical emergencies, income and college expenses, etc. Index Universal Life (IUL) plans can be designed uniquely for 1) Cash growth, 2) Living Benefits 3) Increasing Death benefits and 4) Retirement Income. Cash grows in your policy each year (based on market performance). IUL’s offer many options for tax advantaged income and living benefits (e.g. Long Term Care rider). IULs have a cap and a floor, which limits your potential losses from 0% to 1%, but still receive the gains of the market from 10%-15%.

Term Life Insurance

Term life insurance is the least expensive option for short-term coverage. Plans can be purchased for 10, 20 or 30 years, depending on your age. When an individual purchases a 10-year policy for example, they get 10 years of coverage and then it expires. A Term plan has no cash value and only pays out if the individual passes away during the coverage period (versus a permanent or Whole Life policy). Some Term plans offer an option to convert your plan to a Whole Life policy before it ends. Many individuals use Term policies as a tool to protect their assets such as a mortgage on a house, outstanding debts or anticipated college expenses for younger children.

Long Term Care

With an aging population, families are preparing for eventual long term care health expenses. Individuals can purchase a Long-Term Care (LTC) policy or get a Life Insurance policy with a Long-Term Care rider. Index Universal Life (IULs) plans typically offer LTC riders. A licensed physician must attest that an individual has a cognitive impairment (e.g Alzheimer’s Dementia) or unable to perform two of the six Activities of Daily Living (ADLs). The six ADLs are eating, bathing, toileting, dressing, transferring and continence. A Long-Term Care plan gives you the flexibility to help pay for care such as home healthcare, assisted living and skilled nursing, etc. Having a long-term care insurance plan is a great strategy to protect your assets (home, savings, retirement accounts) and take the financial burden off your family for future medical expenses.

Disability

When it comes to protecting your income, a Disability plan is the ultimate financial safety net. Disability pays up to 60% of your income, if you cannot work due to an accident, illness or maternity. Short and Long-Term Disability (LTD) plans are available for Individuals. Disability plans are great for Contractors and higher income earners such as Physicians, CEO’s, etc. Short Term Disability plans (STD) typically provide coverage for the first 90 days and LTD plans begin coverage after 90 days. Plans can be designed uniquely for individuals and groups based on income, salary and elimination periods. We also offer Group plans for companies for Short and Long Group Disability.

Worksite Benefits

Companies of all sizes can offer Supplemental (aka “Voluntary”) plans to their employees, from leading providers such as Aflac, Allstate and Colonial Life. Voluntary benefits are free for Employers to offer, it’s easy to implement and employees pay 100% of the cost via payroll deduction. Voluntary plans are a great way to offer your employees more benefit options, which help to protect their income. Employees are paid cash directly (not the doctor or hospital) if they have an accident or an illness. These plans allow employees to pay off their medical bills or reduce their out-of-pocket expenses due to deductibles. There is no coordination with health insurance, so employees get paid out regardless of any other plans. Plans are portable if an employee leaves the company. Plan choices include: Accident, Short Term Disability, Critical Illness, Cancer Care, Hospital, Dental, Vision, Term Life and Whole Life.

LegalShield + IDShield

With LegalShield, you get to work with an experienced lawyer when you need help. Connect immediately with 24/7 access for emergency situations. Our network averages 22 years of experience. Speak with a lawyer and get legal advice about anything. Consultation on an unlimited number of issues is included. Protect your family and/or your business with one service. Get access to a law firm in your state. Upload tickets and other documents for review in the LegalShield mobile app. Continued protection for whatever legal matters come your way. IDShield can be added to your LegalShield plan. It is the most comprehensive identity protection and reputation management solution available. IDShield provides TransUnion credit monitoring and alerts, social media and dark web monitoring for enhanced privacy protection, privacy expert support and an identity restoration guarantee. To sign up today, click on this link - Get A Plan Now

Final Expense

Final expense insurance is a type of whole life insurance designed to cover medical bills and funeral expenses when someone passes away. A final expense plan will typically be a Whole life insurance policy with no expiration if premiums are paid. Final expense insurance also helps your loved ones at a difficult time, instead of worrying about burial expenses. We have many carriers that can provide a Final Expense life insurance policy. One of our partners Everest Funeral Concierge, has a unique solution which combines a life insurance policy along with a funeral planning service. Click on the link to learn more - everest funeral

Virtual Care

Our virtual care partner, AllyHealth provides quick and confidential mental health and telemedicine assistance. They have a nationwide network of counselors, therapists, health and wellness coaching and medical professionals. Doctors are available 24/7 to assist individuals and families. Same day appointments.