Welcome to Family Comes First
Protect your family.
Ease your mind.
When you’re confident that your family will be OK without you, you’re free to enjoy the life you’re building with them now.
Planning objective financial advice
How We Serve Families
We help families remove financial threats that could disrupt their happiness, hope, and healing.
How We Empower Professionals
our team is a fit for agents who are interested in growing a business by serving others first.
Life Insurance Benefits
Your Definition of True Wealth
Living Benefits
If you’re diagnosed with a critical illness or condition, living benefits can help you avoid the financial burden by providing a lump sum to help cover the associated costs. Our clients have found this useful for getting the treatment they want and filling in the financial gaps left by most medical insurance. Qualifying for critical illness coverage is dependent on factors that include current health, medical history, age, and occupation.
Living Benefits Testimonials
92%
Are you financially ready?
Many Americans are not prepared for financial curveballs that can strike without warning. Our services help position your family to tackle life’s little surprises so you don’t become a statistic.
Your Definition of True Wealth
Mortgage Protection
Mortgage protection is a simplified, quick issue insurance that is used to protect your greatest asset—your home. It’s designed to provide a death benefit to pay off all, or a portion of, your mortgage. Optional riders are available in most states, such as disability income. This protection can be customized to fit your needs and budget.
Your Definition of True Wealth
Final Expense
1 in 3 Americans have less than $5,000 saved for retirement, and more than 1 out of 5 have nothing saved at all.
If you’re determined to have a future of financial options rather than limitations, contact me today to learn how you can start planning for the future now.
There is nothing more important than a good, safe, secure home.
College Funding
College education is more expensive than ever, which forces today’s students into a position of crippling debt that can drag out for decades. So how do you provide a university education for your children while avoiding debt? Our college funding strategies can make all the difference. With the right products customized to your needs, your children can have a bright future unencumbered by student loan debt.
Retirement Planning
Annuities can be used to create a retirement income that lasts as long as you do. These funds accumulate on a tax-deferred basis, which can be a tremendous advantage over time. Fixed Index Annuities provide an opportunity for growth without the risk involved with most investments. This is especially attractive to pre-retirees looking to preserve assets they’ve built over several decades. We have the expertise to help you find the best and most suitable annuity products to fit your needs.
The Importance of Peace of Mind
Life is full of uncertainties, and we recognize that one moment can change everything. If you or a loved one were to pass on, how would your family handle funeral costs, debts and other financial obligations? These moments sometimes come unexpectedly, we may not know what’s in store, but we can always be financially prepared. Life isn’t scripted, you never know when an illness will occur.
State of the Life Insurance Industry
What is life insurance?
What is a Term Life Insurance?
Life insurance is a valuable tool that ensures your spouse, children or anyone else who depends on you financially isn’t stuck with unmanageable expenses if you pass away. There are many choices when picking a life insurance policy, but one of the first decisions you’ll need to make is whether you want term or permanent life insurance.
Term Life Insurance
Term life insurance pros and cons
Term life insurance can be a smart, affordable way to gain some financial security for your family, but it’s not the right choice for everyone. Here are some of the major pros and cons of term life insurance.
Pros:
- Less expensive: One of the biggest benefits of term life insurance is that it is less expensive than permanent life insurance.
- Coverage only when you need it most: Instead of paying for insurance for your entire lifetime, you can limit it to when you have the highest financial obligations. For instance, you may no longer need coverage once your mortgage is paid off and your kids are grown.
- Frees up funds for other goals: Since term life insurance premiums are cheaper and paid over a set period, you have more cash flow to put toward other goals.
Cons:
- Level rates will end: You may still need life insurance once your level term period is up. Once it expires, you may be able to renew the policy, but term life insurance renewal costs are extremely high and go up each year you renew. You may find that a new policy is also very expensive, depending on your age and health.
- No cash value: Unlike permanent life insurance, term life insurance doesn’t offer the opportunity to grow cash value and earn returns over time.
What is a Permanent Life Insurance?
Permanent life insurance often doesn’t have an expiration date. As long as the premiums are paid, most permanent life insurance policies can remain in-force as long as you’re alive.
When you pay your premiums, a portion goes toward the cash value account. This cash value can grow over time, and you can access the money while you’re alive. You can withdraw funds, borrow against the policy or surrender the policy for cash.
Permanent life insurance cost
Like term life insurance, permanent life insurance rates are based on various factors, including age, gender and health. Permanent life insurance is more expensive than term life.
When to consider a permanent life insurance?
Permanent life insurance is worth consideration if you’re seeking lifetime coverage and the added benefits of cash value.
Like term life insurance, permanent life insurance offers protection to loved ones, so they aren’t financially burdened if you die. But permanent life insurance also offers an investment component and greater flexibility in many cases. That also means it is considerably more expensive.
Permanent life insurance pros and cons
Term life insurance can be a smart, affordable way to gain some financial security for your family, but it’s not the right choice for everyone. Here are some of the major pros and cons of term life insurance.
Pros:
- Lifetime coverage: As long as you continue paying your premiums, most types of permanent life insurance do not expire.
- Cash value: Permanent life insurance policies have a cash value component that grows over time. You can use these funds while you’re alive.
- Extra tax benefits: In addition to a tax-free death benefit for beneficiaries, permanent life insurance also offers tax-deferred growth on the cash value and tax-free life insurance policy loans.
Cons:
- Expensive: Permanent life insurance is considerably more expensive than term life insurance.
- Policy can lapse: If you fail to pay the premiums due, the policy can lapse, which means you lose the death benefit and cash value.
92%
41%
80%
So much has changed. Isn't it time you reviewed your financial picture?
Has it been a while since you revisited your family’s needs for life insurance and plans for
retirement? As your responsibilities for today and your expectations
for tomorrow shift, the money decisions you make and the financial
vehicles you count on should keep up with
the flow of your life.