Life Insurance

A Split Dollar Agreement is an arrangement where two parties—typically an employer and an employee—share the costs and benefits of a policy. The employer helps pay premiums, and in return, they receive a portion of the policy’s benefits, while the employee or their beneficiaries receive the remaining benefits. 

Indexed Universal Life (IUL) insurance is a type of permanent life insurance that offers a death benefit along with a cash value component. The cash value can grow based on the performance of a stock market index, providing potential for higher returns while still offering downside protection.

Whole life insurance provides lifelong coverage with a guaranteed death benefit and a cash value that grows over time. Premiums remain fixed, and policyholders can borrow against the cash value if needed. It’s a reliable way to protect loved ones while building long-term financial security.

Final expense insurance is a life insurance policy designed to cover funeral and burial costs, medical bills, as well as any other end-of-life expenses. It provides peace of mind knowing that these costs won’t burden your loved ones after you pass away.

Premium finance is a strategy that allows high-net-worth individuals and businesses to fund life insurance premiums using third-party loans. This approach preserves cash flow while maintaining valuable coverage, leveraging assets to maximize financial growth and protection. It’s a smart solution for those seeking large policies without tying up significant capital.

Term life insurance provides coverage for a set period, typically 10, 20, or 30 years. If the insured passes away during this time, their beneficiaries receive a tax-free payout. It’s an affordable way to protect loved ones financially, covering expenses like mortgages, debts, or income replacement. If the term ends, coverage usually expires unless renewed.

Mortgage protection insurance is using life insurance designed to pay off your mortgage if you pass away. This ensures your family can stay in their home without worrying about mortgage payments if you’re no longer there to provide for them.