Estate Planning

What is estate planning and why is it important?

Estate planning ensures your assets are distributed according to your wishes, avoids probate delays, and provides legal protection for your loved ones.

Do I need a will or a trust?

Wills distribute your estate, while trusts avoid probate and manage assets during your lifetime and beyond. We help determine the best fit for you.

Can I create an estate plan without an attorney?

Yes. Our platform allows you to create legally sound, attorney-reviewed documents online from the comfort of home.

What documents are included?

A Revocable Living Trust, Pour-Over Will, Powers of Attorney, and Medical Directives are standard components.

Tax-Free Retirement Planning

How can I build tax-free income in retirement?

Indexed Universal Life (IUL) insurance allows tax-deferred growth and tax-free withdrawals during retirement.

Is tax-free retirement planning safe?

Yes, IULs are insurance-backed with guarantees and protect against market losses.

Who is this ideal for?

High-income earners, business owners, or anyone seeking tax-free alternatives to 401(k)s and IRAs.

Are there contribution limits?

No traditional IRS limits apply, giving you greater flexibility in how much you contribute.

Infinite Banking

What is Infinite Banking?

It’s a wealth strategy using whole life insurance to create a personal banking system with tax advantages and liquidity.

How does it work?

You fund a policy, build cash value, and borrow from it—maintaining growth and access to your money.

Is this only for the wealthy?

No. It’s scalable for all income levels and perfect for disciplined savers.

What are the main benefits?

Control, tax-deferred growth, tax-free access, and uninterrupted compounding.

Mortgage Protection Insurance

What is it?

It’s life insurance designed to pay off your mortgage if you pass away, securing your home for your loved ones.

How is it different from homeowners insurance?

Homeowners covers property damage; mortgage protection pays off your home loan upon death or disability.

Does it cover critical illness?

Yes. Optional riders can provide coverage for critical illness, disability, or job loss.

Do I need a medical exam?

We offer simplified policies—many with no exam required.

Final Expense Insurance

What is final expense insurance?

A small life insurance policy meant to cover funeral costs, debts, and end-of-life expenses affordably.

How much coverage do I need?

Most people choose between $5,000 and $25,000 depending on their final expense needs.

Can I qualify with health issues?

Yes. Final expense plans are designed to be accessible even with existing health conditions.