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Image by Alexander Dummer

Final Expense 

Dealing with the loss of a loved one is hard enough as it is. We all know that our lives are finite, and we never know when our time is up. However, one of the most caring things you can do for your loved ones is to remove the financial uncertainty from the situation. Thinking about final expenses is usually not easy for any of us. In can be a difficult task that many people would rather not think about. But consider this: A traditional adult funeral, including a casket and vault, costs over $8,700 on average. The additional expenses of flowers, limousines, and obituary notices can add thousands of dollars to the total cost. Many funerals can run well over $10,000. There are no guarantees your current assets will still be available because of end-of-life expenses, such as hospital and nursing home care. A Final Expense insurance policy can help protect your loved ones now and when it is needed. Give your family the give of life insurance and the comfort of knowing they will not have to dip into savings to pay for your final expenses, because you have planned ahead. 

Annuities & Retirement

To quote an old movie, "Life moves pretty fast. If you don't stop and look around once in a while, you could miss it." We think that's true, but we'd like to add something else. Life can change pretty fast, and if you're not prepared for unexpected zigs and zags, you could be left behind. Retirement planning can feel overwhelming sometimes, but the last thing you need is to be unprepared if something unexpected happens. An annuity is an insurance product designed to accumulate tax-deferred money during the accumulation phase with principal that isn't subject to market volatility. An annuity is one of the few savings vehicles that can guarantee payments for life during the payout phase. An annuity can be a valuable planning vehicle that can help you achieve your retirement vision. Annuities are generally considered a safe option because they offer principal protection, in addition to guaranteed interest accumulation, to help grow money for retirement. 

Mortgage Protection

Your home is far more than a number of walls and a roof. While it's the largest investment most of us will make in our lifetime, it means more than that. It's a place for you and your family to put down roots. Home is the place where your memories are built. Your family depends on your income to help make the mortgage payments. In the event of your death, your loved ones might struggle to keep the home. You can help prevent that from happening with a Mortgage Protection insurance policy. Whether you are looking for coverage that provides protection when you need it most, cash back when you no longer need coverage, or permanent protection, a Mortgage Protection insurance policy could be the answer. You select the amount of coverage you need and the period that most closely matches your mortgage. The death benefit remains level for the entire term In the event of your death, the benefit is paid directly to your beneficiaries who can use the money to help pay off the mortgage or for any other financial needs. 

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