A Steady Stream of Income for Life

Yes. The cash value continues to earn interest and grow even when you borrow against it.

Yes. Infinite Banking works best with a properly structured whole life policy from a strong and reliable carrier.

It is a financial strategy where you use a whole life insurance policy’s cash value to fund your own needs, while the money continues to grow inside the policy.

Whole Life offers guaranteed growth at a fixed rate, while IUL links growth to market performance, offering greater potential without exposing your principal to loss.

Yes. You can borrow against the cash value or use it for other financial goals, often tax-advantaged.

Yes. One of the key advantages of IUL is flexible premium payments. You can adjust them within certain limits depending on the carrier’s rules.

No. Your cash value is not directly invested in the market. It is linked to an index, so you can benefit from market gains but are protected from losses.

Whole life builds cash value and tends to be more expensive. GUL focuses on guaranteed death benefits with stable premiums, making it more affordable for many families.

Many carriers allow some flexibility to increase or decrease the coverage amount or extend the term length, depending on your situation.

Most GUL policies have little or no cash value accumulation. The focus is on providing guaranteed coverage at an affordable cost.

Yes. As long as you pay your premiums on time, your policy will remain in effect for your entire life.

Yes. While many use it to cover funeral costs, the benefit can be used for any purpose including unpaid bills or final wishes.

Most insurers pay out quickly after a valid claim, often within a few weeks. The goal is to ease the family’s burden as soon as possible.

No. Many plans have simplified underwriting, which makes it easier to qualify even if you have health conditions. Some plans do not require medical exams.

Final expense plans are usually smaller, typically ranging from 5,000 to 50,000 dollars. The amount depends on what you want to cover, such as funeral costs, medical bills or leaving a small inheritance.

It works well for individuals, families and business owners who want long term financial control, steady growth and a flexible way to build wealth.

If you outlive your mortgage protection term your coverage ends and no benefit is paid out. The good news is that by then you have likely paid off most or all of your mortgage. At that point you may want to explore other life insurance options like whole life or guaranteed universal life to keep long term coverage in place.

Some policies require basic medical screening while others offer simplified or no exam options.

Yes. Many carriers allow policy conversions or adjustments before your term expires.

Once your term expires, you can renew, convert to permanent coverage or let it end with no further obligation.

Most policies last for 10, 20 or 30 years. You choose the term that fits your goals.

Term insurance expires after a set period, while whole life lasts your entire life and builds cash value you can use during your lifetime.

Yes. You can add riders, adjust payment structures, or increase coverage based on your carrier’s options.

A portion of your premium builds cash value over time, which grows tax-deferred. You can borrow against it or use it for future financial goals.

No. Whole life insurance provides permanent coverage as long as you keep paying your premiums.

Yes. Once you make the single premium payment, your coverage is fully paid up and remains active for life.

Yes. You can borrow against the cash value or use it for other needs, depending on the policy terms

It is ideal for people who have savings or assets they want to turn into guaranteed protection or a legacy for their family.

You make one payment, and your coverage stays in place for life. Your policy also builds cash value over time.

Most providers pay out benefits quickly once a valid claim is filed often within 30 days. The exact timeline depends on the insurer and the circumstances of the claim but mortgage protection is designed to relieve financial stress as fast as possible.

Not exactly. Regular life insurance provides a lump sum benefit your family can use however they choose. Mortgage protection is more specific. It is designed to cover your mortgage balance or payments so your loved ones are not forced to move or sell the home. Many families use it as an add on to traditional life insurance.

No, riders have to be added at the time of purchase. Mortgage protection policies typically allow you to include options such as disability income, critical illness or accidental death benefits when you first buy the policy. Once the policy is issued additional riders usually cannot be added.

Yes. Many people use indemnity plans alongside other health benefits to increase flexibility.

Coverage varies. Some include preventive services while others focus on major expenses. We will help you compare options.

Almost everyone can apply, including individuals, families, and self-employed workers. Your eligibility for subsidies depends on income and household size.

You can renew, roll over or take your funds as a payout depending on your goals.

Yes but early withdrawals may involve penalties or surrender charges depending on your contract.

MYGAs are issued by insurance companies with strong financial ratings and offer guaranteed growth.

Terms vary but typically range from three to ten years depending on the provider.

A MYGA is a multi year guaranteed annuity that locks in a fixed interest rate for a set period.

Income annuities are issued by insurance companies with strong financial ratings, making them a reliable part of a retirement plan.

 Lifetime income annuities continue paying for as long as you live.

Yes. Many plans allow you to select monthly, quarterly or annual payments.

Payments can start right away or at a later date depending on the type of annuity you choose.

 An income annuity is a contract that provides guaranteed payments for life or a set period in exchange for a lump sum investment.

FIAs are issued by insurance companies with strong financial ratings offering a secure way to grow your savings.

 Yes but early withdrawals may include surrender charges depending on your contract.

 This determines how much of the index gain is credited to your annuity. We explain this clearly when comparing options.

No. Your principal is protected from market loss.

Yes. ACA plans cannot deny coverage or charge you more because of pre-existing conditions.

Open Enrollment usually runs once a year, but you may qualify for a Special Enrollment Period if you’ve experienced life changes like job loss, marriage, or relocation.

Many plans offer affordable monthly premiums especially if you want basic coverage with flexibility.

After you receive care you submit your bill to the insurance company. They pay a fixed amount or percentage based on your plan

Yes. Indemnity plans allow you to choose any provider. You pay upfront and get reimbursed for covered expenses.

Yes. Many providers offer combined dental and vision coverage in a single package.

Dental and vision plans are often affordable and can save you money on routine care and unexpected expenses.

Yes. Many plans offer nationwide networks or out of network options so you can choose your provider.

Coverage typically includes routine eye exams, glasses and contact lenses. Some plans may offer discounts on corrective surgery.

Most plans cover preventive care like cleanings and checkups, plus basic and major dental procedures depending on the plan.

Most claims are processed quickly after diagnosis and documentation are submitted.

Yes. Critical illness coverage is designed to work alongside your regular health insurance to fill the financial gap.

Coverage usually includes major conditions such as cancer, heart attack and stroke. Some plans may include other illnesses.

You can use it for any purpose including medical bills, living expenses, travel or lost income.

It is coverage that pays a lump sum cash benefit when you are diagnosed with a covered serious condition.

That’s what we’re here for. Our licensed agents will guide you at every step — at no cost to you.

Many people qualify for tax credits that significantly reduce their monthly premiums. In some cases, coverage may be available at little or no cost.

 It credits interest based on the performance of a market index while protecting your principal from loss.