Same Great Story... Just Another Way to Protect Your Family!

Life Insurance is an investment made today and over time, that is designed to protect your family and those that you love most from financial hardships that could occur after your passing. Our mission is to inform and empower you in finding the best type of insurance policy that fits the needs of your family and your budget. There are many different categories of life insurance; with each category having numerous products all offered by competing insurance companies. You need more than a commercial or iconic brand recognition to make the best-informed decision of which policy is optimal for you, your lifestyle and budget! Let the Life Insurance guru help you today!

Term Life Insurance

Term life insurance is the easiest life insurance to understand and is low cost life insurance: It provides death benefit protection without any savings, investment or “cash value” components.

THINK:

If a person dies within the specified term, the insurance company pays the death benefit of the policy; if the term expires before death, there is no payout.

Universal Life Insurance

Flexible permanent life insurance offering the low-cost protection as well as a savings element, which is invested to provide a cash value buildup.

THINK:

If a person dies while the policy is in-force, the insurance company pays the death benefit of the policy; overtime cash value is accrued to offer flexibility and savings.

Indexed Universal Life Insurance

Indexed Universal life (IULs) are a type of universal life policy. The universal portion means that premiums are flexible and the components of the life insurance policy (death benefit, savings element and premium) can be altered throughout the contract.

THINK:

If a person dies while the policy is in-force, the insurance company pays the death benefit of the policy; overtime cash value is accrued based on an indexing method to offer flexibility and potentially more savings that UL policies.

Whole Life Insurance

Whole life insurance is a contract with premiums that includes insurance and investment components. The insurance component pays a predetermined amount when the insured individual dies. The investment component builds an accumulated cash value the insured individual can borrow against or withdraw.

THINK:

If a person dies while the policy is in-force, the insurance company pays the death benefit of the policy; more expensive solution for more guarantees and cash value flexibility

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Disclaimer: Rates are based on current interest rates and are subject to change at any time. Some first year yields/rates reflect the fixed rate plus a premium bonus or interest rate enhancement. Not all annuities are available in all states. Surrender charges may apply to withdrawals during the surrender period. A 10% IRS penalty may apply to withdrawals prior to age 59 ½. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Annuities are not guaranteed by any bank or credit union and are not insured by the FDIC or any other federal government agency. Information presented on this website is not intended as tax or legal advice. You are encouraged to seek tax or legal advice from a qualified professional.  The Annuity Guru® agents' are licensed to sell Annuities; The Annuity Guru agents are not required to be FINRA registered representatives or a Broker Dealer.