Financial Protection & Wealth Transfer

For Those That Matter the Most

Personal Life Insurance

Your Foundation for Asset Protection and Growth

We make it simple, but can take things as far as you want to go with the most sophisticated, cutting-edge techniques to keep you protected and profitable. No minimums and no sales agendas. We solve for the best value and get you the best rates, every time.


We’ll help you determine whether to buy Term or Permanent coverage. We work closely with estate planning attorneys in designing revocable and irrevocable trusts.


We believe in layered strategies. As your needs and means evolve, cash value policies can present smart opportunities to maximize your wealth and plan ahead.


Depending on your stage in life, an annuity might make the best fit for your needs. Many of the newest annuity products offer unique benefits, as well as simplified underwriting on a guaranteed-issue basis.


One of the smartest long-term investment life products on the market. With mitigated risk and future income benefits, IUL’s should be a part of any diversified investment strategy.

The Important Difference Between Agents & Brokers

Captured vs. Free

Agents are tied to one particular carrier and, even if they can quote with other carriers, receive significant incentives for placing all business with their home carrier. Typically, rates with those carriers are highly inflated.

Positive Competition

Brokers appoint with all top-rated carriers and quote from an array of products, then place the most competitive ones for their clients. One should always use a broker, but it’s especially critical with life products.


Brokers offer another distinct advantage when it comes to underwriting. We can anonymously prescreen a case to get you the best posible health rating. If we aren’t satisfied with the outcome, we’ll shop your case to get you a better deal.

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