FAQs
What types of life insurance do you offer?
We offer term life, whole life, universal life, indexed universal life (IUL), and other customized policies. Each option has different benefits depending on your age, health, and financial goals. We’ll help you choose the right fit.
What is indexed universal life (IUL) insurance?
IUL is a flexible permanent life insurance policy that offers a death benefit plus the potential to build cash value based on the performance of a market index, like the S&P 500. It's ideal for those who want life protection with long-term financial growth potential.
What are the advantages of whole life insurance?
Whole life insurance provides guaranteed lifelong coverage, a fixed premium, and a growing cash value component. It’s a strong choice for building generational wealth and leaving a legacy.
What’s the difference between life insurance and AD&D insurance?
Life insurance covers death from most causes, while Accidental Death and Dismemberment (AD&D) only pays out in cases of accidental death or severe injury. We often recommend using AD&D to supplement a traditional life policy.
How much life insurance do I need?
Most people need coverage equal to 10–12 times their annual income. We take into account your debts, income, children’s education, and future needs to recommend the right amount of coverage.