Term life insurance
Coverage for a set number of years, often 10, 20 or 30.
Often a fit for: Protecting income while children are young or a mortgage is outstanding, at the lowest cost per dollar of coverage.
For individuals & families
Life insurance and annuities, explained before they're recommended
Whether you're protecting your family's income or planning for retirement, we start with your goals, then compare options from a range of established insurance companies.
Is this for you?
A good fit if…
If any of these sound familiar, a conversation is worth it. There's no fee for an insurance consultation.
- Someone depends on your income, and you want them protected
- You're within about 15 years of retirement and want predictable income
- You'd like to leave something behind for family or a cause you care about
- You have coverage already and aren't sure it still fits
What we offer
Products we work with
Permanent life insurance
Whole life and universal life policies designed to last your lifetime, many with cash value.
Often a fit for: Lifelong needs such as final expenses, leaving a legacy, or planning around an estate.
Fixed annuities
A contract with an insurance company that credits a stated interest rate for a set period.
Often a fit for: Savers who want a predictable rate for a defined term and can leave the money in place.
Fixed indexed annuities
Interest credited based partly on a market index, with a floor that protects the contract value from index losses.
Often a fit for: People planning retirement income who want some growth potential without direct market exposure.
What we don't offer. We do not sell variable annuities, registered index-linked annuities (RILAs) or any securities, and we do not provide investment, tax or legal advice.
How it works
From first conversation to policy delivery
STEP 01
Fact-finding
Your goals, timeline, income, existing coverage and how much flexibility you need.
STEP 02
Documented suitability review
Every annuity recommendation is supported by a written suitability review, kept with your file.
STEP 03
Second licensed review
A second licensed partner reviews the application before it goes to the insurer.
STEP 04
Application to delivery
We handle the paperwork, follow up through underwriting, and walk you through the policy when it's issued.
Before you decide
Important information about annuities
Full details are in our disclosures.
- Annuities are long-term contracts. Withdrawals above the free amount during the surrender period may incur surrender charges.
- Withdrawals before age 59½ may be subject to a 10% federal tax penalty in addition to ordinary income tax.
- Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
- Fixed indexed annuities are not invested in the stock market or any index. Index-linked interest may be limited by caps, participation rates or spreads.
Not sure which of these fits?
Talk with a licensed partner
Contact