We offer customized health and life insurance solutions to protect you and your family. By partnering with over 20 A+ rated carriers, we ensure you get access to the best plans on the market, giving you a wide range of options to find the perfect fit.

Our health insurance offers true nationwide coverage, giving you the freedom to seek care anywhere in the U.S. As a Preferred Provider Organization (PPO) plan, it puts you in control: you can see any doctor or specialist you choose, without needing a referral from a primary care physician.

Plus, our plans are fully customizable. We work with you to tailor a solution that fits your specific needs, so you're only paying for the coverage you actually want.

Marketplace insurance is a government-run option designed to be affordable, especially for those who qualify for subsidies, but it often comes with limited provider networks and strict enrollment periods. In contrast, private health insurance, which is purchased directly from a carrier, offers more flexibility, customization, and broader nationwide PPO networks, giving you the freedom to choose your doctors and get the exact coverage you need.

A properly structured Indexed Universal Life (IUL) policy provides a unique opportunity for tax-free retirement. Your money grows on a tax-deferred basis, and you can access these funds in retirement through tax-free policy loans, allowing you to create a predictable income stream without the tax burden of traditional retirement accounts. The death benefit also passes to your beneficiaries income-tax-free, completing a powerful cycle of tax efficiency for your entire financial life and legacy.

Yes, life insurance, specifically Indexed Universal Life (IUL) policies, can be used as a vehicle for college funding in a couple of ways. A portion of the premiums paid into the policy goes into a cash value account that grows tax-deferred, and this money can be accessed later through tax-free loans or withdrawals to cover educational expenses. This strategy offers flexibility because the funds can be used for any purpose, not just qualified educational expenses like with a 529 plan, and the cash value is typically not counted against a student's eligibility for federal financial aid. The policy also includes a death benefit, ensuring that a predetermined amount of money is available for college expenses if the policyholder dies unexpectedly.

Yes, you can absolutely use a properly structured Indexed Universal Life (IUL) policy to buy properties. This is a powerful strategy where you take a tax-free loan against your policy's cash value, allowing you to quickly access capital for real estate without the hassle of a traditional bank. This method also lets your cash value continue to grow in the policy while you have the loan, effectively letting your money work in two places at once.

The IUL policy is not directly invested in the stock market but is linked to a market index, such as the S&P 500. This linkage allows the policy's cash value to grow when the market performs well. However, in a down year for the market, your cash value is protected by a guaranteed floor, typically set at 0%. This means you will not lose any of your accumulated cash value due to market volatility. This feature is often referred to as "zero is your hero"

We provide yearly reports on your life insurance performance, and our agents are always available to discuss your cash value growth. You can also access real-time updates through your online platform.