From Protection to Lifetime Income
Income Protection
Tax Smart Growth with Guardrails
Promise: Keep the paycheck flowing if life throws a curveball.
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What it covers: Term Life • Permanent Life (Whole/UL) • Living Benefits (illness/injury)
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Best for: Families, mortgage protection, business owners needing key-person coverage
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Outcomes: Replace income • Pay off debts • Protect family goals
Promise: Grow for tomorrow with a 0% floor and flexible access.
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What it includes: Indexed Universal Life for long-term growth + optional access
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Best for: Long-horizon savers who value protection, flexibility, and potential tax advantages
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Outcomes: Index-linked growth • 0% floor • Access via policy loans (rules apply)
Retirement Income
Promise: Turn your savings into paychecks you can’t outlive.
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What it includes: Fixed & Fixed-Indexed Annuities • Payout options • Income riders
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Best for: Pre-retirees/retirees wanting predictability and downside protection
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Outcomes: Lifetime income • Market-downside guardrails • Sleep-at-night plan
Final Expense
Promise: Make hard times simpler and wishes crystal-clear.
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What it includes: Final expense plans • Beneficiary review • Basic legacy checklists
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Best for: Adults 50+ and families wanting to prevent financial stress at a tough time
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Outcomes: Covered final costs • Less burden on family • Documented wishes