TERM INSURANCE
Cost-effective risk management tool often used to cover liabilities such as income replacement, mortgage obligations, or key person coverage during critical financial periods.
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RETURN OF PREMIUM TERM
An attractive option for clients seeking both protection and a guaranteed refund if they outlive the term, effectively reducing the net cost of coverage. It may also appeal to risk-averse clients who value the forced savings component and prefer not to "lose" their premiums if no death benefit is paid.
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ENHANCED BENEFIT TERM
Allows access to a portion of the death benefit while still alive in the event of a qualifying critical, chronic, or terminal illness. providing liquidity during health crises, supporting income protection. (Click for link to PDF - Provided link not working).
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IUL (Indexed Universal Life)
Serves as a strategic tool for clients seeking tax-advantaged wealth accumulation, legacy planning, and supplemental retirement income.
GUL
Offers permanent coverage at a lower cost than traditional whole life policies. it’s an efficient solution for clients focused on estate planning, final expenses, or legacy goals with predictable premiums and minimal investment risk.
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SINGLE PREMIUM LIFE
Offers a tax-advantaged way to transfer wealth, accelerate legacy planning, and potentially provide living benefits or access to cash value without ongoing funding commitments.
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JOINT/SURVIVOR LIFE
An effective tool for estate liquidity, wealth transfer, and charitable giving. Offering a cost-efficient strategy to help high-net-worth clients preserve assets, manage estate taxes, and ensure legacy planning objectives are met.
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WHOLE LIFE
Whole life insurance from a mutual life insurance company offers guaranteed death benefit protection, fixed premiums, and the potential to earn dividends. Providing long-term financial stability, tax-advantaged cash accumulation.
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FINAL EXPENSE
Policies designed to cover end-of-life costs such as funeral expenses, medical bills, or small debts. Offering permanent coverage with simplified underwriting, making it accessible and affordable for older clients or those with health concerns.
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LINKED BENEFIT
A life insurance policy with living benefits provides the policyowner access to a portion of the death benefit while still alive in the event of a qualifying terminal, chronic, or critical illness. Providing an added layer of protection by delivering liquidity during health crises, reducing the need to draw from retirement assets or other savings.
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BUSINESS SPECIALTY PLANS
Group: A single contract that provides life insurance coverage to a group of people, typically employees of a company, with simplified underwriting and lower premiums due to pooled risk. It serves as a valuable employee benefit, offering basic financial protection for beneficiaries while enhancing workplace retention and morale.
Bank Loan: These plans enable rapid underwriting—often issued within 24–48 hours using a simple one-page application and loan documentation—Protecting both clients and lenders by covering the full death or disability risk tied to the loan balance or payments