Life Insurance

Provides clients with financial protection to help their families maintain their lifestyle after they’re gone.

Individual Solutions

Term Life

Coverage is for a specified time and provides a death benefit to beneficiary at insured’s death.

Permanent Life

Provides lifetime coverage guaranteeing a minimum death benefit. Premiums are fixed with potential to increase cash value through dividends.

Indexed Universal Life (IUL)

Allows flexible premium payments as long as minimum insurance costs are covered. Cash value accumulates at rate set by carrier.

Specialty Life

Innovative solutions through the Excess & Surplus Lines Market for immediate death protection or gaps in traditional life insurance. Options include Accidental Death & Dismemberment for supplemental or short-term coverage and Contractual Performance Indemnity for urgent death risks tied to contractual obligations.

Accelerated Underwriting

Expedite the underwriting process for your clients with Accelerated Underwriting programs. Qualified applicants can bypass traditional medical requirements, such as exams and lab work, and may receive approval in less than 24 hours.

Business Solutions

Key Person Life

Protects a business if a key employee were to die unexpectedly. Helps to minimize the disruption to a business from losing a valued employee.

Buy-Sell Life

Funds a buyout agreement upon death of a business owner. Ensures a seamless transition of ownership while protecting the financial stability of the business and its stakeholders.

Guaranteed Issue Life

A multi-life employer sponsored program that offers simplified underwriting with no medical exams or questions. These programs are designed to enhance group life insurance programs if the group plan limits do not provide equal benefits to highly compensated employees or if the company wants to carve out an executive class and provide a more robust plan for recruiting and retaining top talent.

Executive Bonus Plans

Allows businesses to provide select employees with additional compensation, typically used to fund a life insurance policy. This benefit offers financial security and potential retirement income.