A fitting option for those who are seeking affordability, large protection needs or temporary need.

• Guaranteed death benefit for a fixed period (i.e: 10, 20, 30, or 35 years)

• Low initial Premium but will increase after term expires.

• Fixed premium.

• No cash value.

Provides coverage for the entire lifetime of the insured person, as long as premiums are paid. It has a cash value component that grows over time, making it suitable for individuals who want to provide long-term financial protection, estate planning, or supplemental retirement income.

• Lifetime Coverage.

• Flexible Premium.

• Cash Value grows Tax Deferred.

• Income Tax-Free Distributions.

May be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.

• It offers tax free growth, downside market protection, and the ability to take loans from the policy.

• Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.

• Downside protection through minimum guarantees to ensure that your cash value will not decline due to a decreases in the Index.

Assets held in the trust can pass directly to beneficiaries without going through the probate process.

Probate is the court-supervised process of distributing a deceased person's assets.

This can be time-consuming, costly (due to court fees and legal expenses), and public (as it becomes part of public record).

A living trust helps assets transfer privately and efficiently to beneficiaries according to the terms specified in the trust document.

The terms of the trust, including the assets it holds and the beneficiaries, are not disclosed to the public, unlike a will.

Retain control over your assets and manage or modify a living trust as you see fit, including adding or removing assets, changing beneficiaries, or amending distribution instructions.

This flexibility can be beneficial in adapting to changes in personal circumstances or financial goals.

During the lifetime of the trust creator, income earned by the trust assets are typically taxed at trust level, rather than individual.

There is also the potential to avoid or reduce estate taxes, gift taxes, and income taxes, with savings adding up to hundreds or thousands of dollars.

Ultimately tax implications are case by case.

An IUL child savings plan allows for tax-deferred growth of cash value within the policy. This means that any earnings on the cash value, such as interest or dividends, accumulate without being subject to annual income taxes.

This tax-deferred growth can potentially result in greater accumulation over time compared to taxable savings or investment accounts.

Policy loans can provide access to funds without triggering immediate taxable events when structured correctly.

Involving children in discussions about their IUL child savings plan can help teach financial responsibility and the importance of saving and investing for the future from a young age.

The cash value can be accessed to fund educational expenses for the child, providing a tax-advantaged way to save for college or other educational pursuits.

Apart from education, withdrawals can be used for various financial needs, such as purchasing a home or starting a business.

Loans generally do not require repayment during the child's lifetime and can be repaid or deducted from the death benefit.

While primarily a savings vehicle, an IUL child savings plan also provides a death benefit.

This can provide financial protection for the child's beneficiaries in the event of the child's death, helping cover expenses or providing a financial cushion for the family.

An annuity is a retirement vehicle that allows a customer to deposit money with an insurance company that can earn interest and grow on a tax-deferred basis. Theres an agreement that the insurance company will then provide a series of payments back to the customer at regular intervals.

Annuities provide or supplement retirement income from other retirement sources such as Social Security, pension benefits, and investments. You can convert your annuity into a stream of income that can then be paid over a fixed period or for your lifetime. You can take withdrawals when you need the income.

IMMEDIATE

Provides income payments that usually begin within a year after the premium is paid.

DEFERRED

Provide income payments that begin later, often after several years. Deferred annuities are used for long-term savings purposes.

GAILS(A)

Guaranteed: The Principle of what you invest into an annuity will never be lost. NO RISK.

Annual Reset: When receiving interest rates, the amount accumulated for the year will lock into the principal amount. The new beginning balance of the next year is the principle plus the interest accumulated. No risk on the new amount.

Indexing: Potential for returns based on the performance of a specified stock market index, such as the S&P 500. Downside protection through minimum guarantees to ensure that your cash value will not decline due to decreases in the Index.

Lifetime Income: This protects against the possibility of outliving income. Once turning on income, there will be a guaranteed income benefit stream for life.

Surrender Period: A surrender period schedule usually accompanies annuities (i.e: 5 years, 10 years). There will be penalties if withdrawing more than the 10% amount. This is to ensure maximum growth potential for your investment.

Access: Can access your liquidity and withdrawal up to 10% yearly with no penalty.

Protect your business from financial loss or instability that may result from the death of a key employee. This coverage is particularly important for individuals whose skills, knowledge, or leadership are essential to the company's operations and profitability.

In the event of death, provide funds for the remaining business owners to purchase the deceased owner's share of the business from their heirs or estate. Ensure continuity of your business and avoid disruptions in operations or disputes over ownership.

Executive Bonus Plans are strategic compensation strategy that allows employers to provide additional benefits to key executives through life insurance policies. It offers tax advantages, helps with retention and recruitment efforts, and provides valuable financial security to executives and their families in the event of death.