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College Planning

We all want what’s best for our children’s futures – for many families, that makes planning for college costs a top priority. However, quality higher education is coming at a premium these days, and all of the projections indicate that the trend will certainly continue in the coming years.


According to the latest data from Forbes,
the costs of college aren’t going anywhere but up. (See chart)

As a result, student loan debt continues to climb at a steady rate. (Outpacing even credit card debt!)


Mortgage Protection


One of the most vital services we offer at Life-Health-Annuity is helping our clients establish mortgage protection plans for their homes.

What exactly is mortgage protection?Well, if you’re like most Americans, your home is the largest purchase you have ever made,
and the most valuable asset you own, financially-speaking. Your mortgage payment is likely your family’s largest monthly expense,
and you work hard to dutifully pay down your mortgage balance every month.


  • But what if you were to be diagnosed with cancer, and suddenly hit with unexpected medical bills?
  • What if you are out of work for several months at a time recovering from a heart attack, and can’t keep up with your mortgage
  • payments?What if you or your spouse passed away unexpectedly, leaving the other to shoulder the burden of the mortgage
  • payment on their own?

These aren’t pleasant situations to imagine yourself being thrown into, but it is a risk that is important to be
prepared for. Typically, these plans are designed to pay off the balance of the mortgage should the policyholder pass away within the coverage period (typically 30 years, to cover a 30-year mortgage). 

Living Benefits  – The Smartphones of Life Insurance is that your still protecting your family and finances with the “old kind” of life insurance that only pays out if you die? Living Benefits life insurance is the new, evolved kind of life insurance. With Living Benefits, you have the power to accelerate your death benefit while you’re still living if you suffer a heart attack, cancer diagnosis, stroke, or any other Critical, Chronic, or Terminal illness. This ability can help save your financial life, and helps protect you from the cause of 60% of the bankruptcies in the U.S. every year – medical bankruptcy following a critical illness. It comes down to one simple question: do you want the option to access your death benefit when you need it most, or not?

Final Expense Insurance is coverage that is designed to give your loved ones peace of mind in handling your final expenses upon death. Along with writing a will another important thing that you must decide is how your final expenses will be paid for. Final expense insurance offers an affordable way to provide for the costs associated with burial, so that family and friends are able to focus more on celebrating your life without the burden of unexpected expenses.

Guaranteed Issue Life Insurance is coverage with limited to no medical questions. This type of coverage has low face amount limits since the carrier has not been able to fully underwrite the insured based on your health. The policy typically has graded benefits during the first 2 years which means if the insured dies within that period from policy issue then the beneficiary would receive the amount of premiums paid plus predetermined interest.

Life-Health-Annuity



Term Life Insurance provides coverage at a fixed rate of payments for a limited period of time. This insurance is often the most affordable coverage because it offers protection for a specific number of years. A few reasons for purchasing a term life insurance policy may be getting maximum coverage for the lowest price, using it to cover specific financial responsibilities such as a mortgage or other loans, and to supplement a work or permanent policy that may be in force.


Whole Life Insurance is a type of permanent insurance that features guaranteed premiums, death benefits, and cash values. Reasons to purchase whole life insurance include protection for life, payments that stay the same every year, the ability to access the cash value of your policy while still living.


Universal Life Insurance provides coverage for the life of the insured while at the same time providing flexibility in premium payments and in insurance coverage. As long as you pay your premiums to keep the insurance part of the policy in force, you can vary the frequency and amount of your premium payments. As a result, you can vary your death benefit. For instance, you can decrease your coverage to coincide with your declining mortgage. The cost of insurance protection and in some cases, other costs are deducted from the cash or policy account value.


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HOW CAN WE HELP?

We work with each of our clients to ensure that their family is properly provided for in the case of an interruption in income.

Whether that is due to an unexpected death or an illness such a heart attack, stroke, or cancer diagnosis. 

With our help, our clients can rest assured that no matter what happens, the bills will be paid and the family will be taken care of.


Your income is more than just a paycheck.  It represents your family’s ability to continue to lead the life you’ve built together.  Protect it.  Protect them.

We can help. 


Final Expense Insurance is coverage that is designed to give your loved ones peace of mind in handling your final expenses upon death. Along with writing a will another important thing that you must decide is how your final expenses will be paid for. Final expense insurance offers an affordable way to provide for the costs associated with burial, so that family and friends are able to focus more on celebrating your life without the burden of unexpected expenses.


Retirement
Life is FULL of risk. Your retirement plans shouldn’t be! If you don’t have a plan in place, the time to begin strategizing for your golden years is NOW.
College Planning We all have hopes and dreams for the future. Life insurance may help those hopes and dreams come true for your child – through every stage of their life.


Mortgage Protection
Having a good life insurance policy in place to protect your property in the event of your death is vital. When you die, your family will have enough to worry about
without the added stress of how they are going to hold on to the family home. Your life insurance policy will ensure that this problem is eliminated, with the
mortgage balance being paid in full upon your death. 


Estate Planning

  • What is estate planning and why is it important?
  • It’s something that only the wealthy people do, right?
  • This estate stuff is expensive and doesn’t really help the average family…….or does it?


Income Protection

  • How can I protect all that I have worked for?
  • How can I safeguard my future potential earnings?


Business Preservation
Businesses and their owners generally pass through several identifiable stages during their business life cycle. Business Protection is the first stage: Helping to
ensure you are protected from unexpected situations, or tragedy