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Thoughtful guidance on life insurance, long term care, and retirement planning, tailored to your life.

Mortgage protection is a specialized life insurance policy designed to pay off your home loan if you pass away. This coverage ensures that your family can remain in their home without the burden of monthly mortgage payments during a difficult time. Unlike standard life insurance, these policies are specifically tailored to match your loan balance and protect your most significant asset. We help you secure a plan that provides a guaranteed safety net for your family’s housing and future.

Final expense insurance and preneed trusts are designed to cover end-of-life costs so your family doesn't have to. While insurance provides a flexible cash benefit for various bills, a preneed trust secures funds for specific funeral arrangements. These tools work together to honor your final wishes and eliminate unexpected financial stress for your loved ones. We help you choose the right plan to ensure your legacy and family are fully protected.

Protect your hard-earned assets from the rising costs of extended healthcare with a customized long-term care strategy. We help you navigate comprehensive coverage options like traditional LTCi and hybrid life insurance policies with long term care to ensure your future independence. Our goal is to provide peace of mind by securing your quality of care while preserving your family’s financial legacy.

Final Expense Life Insurance & Pre-funded Trusts

Long Term Care Insurance

Annuity Income Insurance

Worksite Voluntary Benefits

Legal Shield | Discounted Legal Services

What insurance coverage should I have in place now, and what actually matters?

Empower your family or employees with affordable access to professional legal advice through our comprehensive LegalShield protection plans. From contract reviews and document preparation to 24/7 emergency assistance, we make sure expert legal counsel is always just a phone call away. Remove the stress of high hourly attorney fees with a proactive, affordable solution for identity theft protection and legal peace of mind.

Enhance your employee retention and total rewards package by offering high-value voluntary benefits at no direct cost to the employer. We specialize in supplemental coverage like legal, dental, vision, and hospital indemnity plans that fill the gaps in traditional health insurance. Give your workforce the financial safety net they deserve with streamlined enrollment and personalized benefit education.

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Mortgage Protection Life Insurance

Annuity income insurance provides guaranteed income you can’t outlive. By converting a portion of your savings into a steady stream of payments, you create predictable cash flow for retirement. Payments can last for a set number of years or for the rest of your life, helping you cover essential expenses with confidence and peace of mind. It can also reduce financial stress and support long-term retirement security.

FAQs

Does Medicare pay for long-term care?

Generally, no. Medicare is designed for short-term recovery after a hospital stay, not for long-term "custodial care" like assistance with bathing or dressing. Our long-term care plans and annuity riders are designed to fill this exact gap.

Do I need a medical exam to get life insurance?

It depends on the plan. Many modern "Simplified Issue" or "Guaranteed Issue" policies do not require a medical exam and use digital health records for approval. Traditional policies with very high coverage amounts may still require a brief health screening.

When is the best time to buy long-term care insurance?

Most experts recommend looking into coverage in your 40s or 50s. Buying earlier locks in lower premiums and ensures you qualify before any major health changes occur.

Can I have more than one life insurance policy?

Yes, many people use a "laddering" strategy. For example, you might have a large Term policy to cover your mortgage and kids' younger years, and a smaller Whole Life or Final Expense policy to cover permanent needs like funeral costs and estate planning.

Is LegalShield only for businesses?

Not at all. We offer three distinct tiers: Individual/Family plans for personal protection, Small Business plans for owners, and Worksite plans that can be offered as a voluntary benefit to employees.

Is my money safe in an annuity?

Fixed and Indexed annuities are designed for principal protection, meaning your initial investment is protected from market downturns. They are backed by the financial strength and claims-paying ability of the issuing insurance company.

How soon can I start receiving income from an annuity?

What exactly does a LegalShield membership cover?

It provides affordable access to a dedicated law firm for matters like contract reviews, will preparation, and document review. For businesses, it covers debt collection assistance and legal consultation; for individuals, it includes 24/7 emergency access for covered legal situations.

It depends on the type. An "Immediate" annuity can start paying you within 30 days, while a "Deferred" annuity allows your money to grow tax-deferred for years before you switch to the income phase.

If I leave my job, do I lose my voluntary benefits?

What are " workite voluntary" benefits?

These are supplemental insurance plans (like Accident, Critical Illness, or Hospital Indemnity) offered through your employer. They are usually employee-paid at discounted group rates, allowing you to customize your coverage without a high price tag.

Many of the plans we offer are "portable," meaning you can take the coverage with you even if you change employers or retire, as long as you continue to pay the premiums.

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