Insurance
Life Insurance
While many people consider insurance too complicated or too expensive, it can actually be a powerful and flexible tool that can help you protect yourself and the ones you care most about. But did you know that life insurance can be used for many financial needs, in an asset protected tax advantageous manner, that serve a plethora of financial purposes aside from the inherent death benefit?
Term Insurance
Term Insurance is like paying rent. It’s only good for a certain period of time. Only 1% of all Term Insurance policies ever pay out a death benefit. It’s a good supplement to layer on top of permanent insurance for added death benefit protection.

Whole Life Insurance
The term “Whole Life” came about because the death benefit lasts for as long as you live. It builds up cash value which can be withdrawn tax free to be used for many purposes, such as paying off debt, a down payment on a new home, education tuition and expenses, and – it can even pay for your wedding, and more. This cash value is asset protected against liens, bankruptcies, and judgements. The cash can be accessed tax free at any time because the premiums are paid for with after tax dollars. And by law, cash withdrawals do not have to be paid back unlike a 401K, Pensions, and IRA’s which can incur penalties or taxes.
Limited Pay Whole Life Insurance
With Limited Pay Whole Life Insurance, unlike traditional Whole Life Insurance, you can choose to stop paying premiums after 10, 15, or even 20 years, but still enjoy the full growth of the cash value, even though you are no longer paying premiums.
Disability Insurance
How would you pay your bills if your income stopped tomorrow? Disability Insurance is insurance that replaces your earned income in the event of an accident, injury, or sickness.
Critical Illness Insurance
Critical illness insurance pays a tax-free lump sum payment upon the diagnosis of invasive cancer, heart attack, stroke, and several other illnesses.