PERSONAL & FAMILY SOLUTIONS

DISABILITY INSURANCE

• Income Protection (Accident / Sickness Disability Insurance)

  • Provides an income when you’re unable to work due to an Accident / Sickness

• Mortgage Protection (Term Life Insurance)

  • Protects the equity in your home, either completely or for a period of time (6, 12, 18 or 24 months)

  HEALTH INSURANCE RELATED

• Deductible & Co-Pay Cash (Accident Insurance)

  • Provides cash from a menu of procedures, from ambulance rides, to diagnostic services, emergency room and urgent care visits, surgeries, medical equipment, medical procedures, and follow-up care

• Critical Illness Coverage

  • Provides $25,000 - $500,000 payments upon first diagnosis of Cancer, Heart Attack, Stroke, Coma, Kidney failure, etc., to help with financial needs (such as time out of work, mortgage payments, child care, travel expenses, special medical treatments, etc.)

LIFE INSURANCE

• Family Lifestyle Continuity (Life Insurance)

  • Providing funds to make-up for the loss of one or two incomes to maintain day-to-day expenses, schooling, extra-curricular activities, camps, family events, long-term investments and unexpected emergencies

  • Family Estate Planning - Generational wealth building

• Whole Life as an Asset (Infinite Banking / Bank on Yourself)

  • Building one’s own pool of tax-preferred funds to grow and diversify with compounding interest and potential annual dividends outside the volatility of the Markets

  • Access to funds (liquidity) for self-financing & opportunity capture

  • Long Term Care Coverage (available through certain Carriers only)

  ANNUITIES

• Personal IRA's

  • With guaranteed interest rates and compound interest, either tax-deferred or not

• Retirement Vehicles

  • Offering Lifetime Income or Designated time-frame only

  • Retirement streams that you cannot outlive