Products

Top Selling Fixed Life

Indexed Universal Life

This is a cash value accumulating life policy on an index chasis. This product is currently the only indexed product with a 2% minimum guaranteed interest rate paid year over year, while having market upside (the 2% at a minimum would be credited each year less fees, expense and charges). Also included is the Accelerated Benefit Rider.

Whole Life

4% guarantee, while having one of the lowest costs per thousand of Whole Life insurance premium in the industry. This policy has one of the highest guaranteed IRR’s in the industry as well. Also included is the Accelerated Benefit Rider.

Ask us to compare any Whole Life with top competitors.

Life Insurance Policies with Long Term Care (Including Term)

Chronic Illness / Long Term Care benefit rider. This rider can pay up to 100% of the face amount if certain criteria are met, such as 2 of 6 ADL’s or cognitive impairment (benefit could be paid at 2% / month of face value for 50 months).

Top Selling Annuities

Bonus Annuity

7% bonus with a short 10 year surrender schedule. Contract also has death benefit rider and a long term care benefit rider (riders, bonus, surrender schedule may vary by state).
This contract also features, nine index and one fixed interest crediting strategies. Penalty free withdrawals are available beginning in year 2, if not taken then can double up the next year (never to exceed 10%). Bonus is vested on a monthly basis and fully vested in the 11th year of contract value.