WELCOME TO FAMILY COMES FIRST
YOUR ALL-IN-ONE INSURANCE COMPANY FOR YOUR FAMILY NEEDS

Protect your family.
Ease your mind.

When your family’s well-being is assured, you can fully embrace and enjoy the life you’re building with them, both now and even in your absence.

Planning objective financial advice

92%

of older adults have at least one chronic disease; 77% have at least two. Is it any wonder that the average couple retiring at 65 can expect to pay $260,000 to cover their health care costs in retirement?*

Is it possible for one policy to offer the advantages of saving for college, offering protection in the event of critical, chronic, or terminal illness, contributing to retirement, altogether & much more?

You'll be amazed by how affordable our Family Insurance Plans are! Our company is dedicated to fulfilling all the insurance needs of your entire family, even for your furry loved ones!

Were you aware that life insurance can serve multiple purposes, such as funding your children’s college tuition, providing mortgage protection, starting a retirement plan, and offering various other benefits? In case of a critical, chronic, or terminal illness, your life insurance policy may allow you to access a portion of its value early.

Even if you don’t qualify for a standard life insurance policy, we guarantee you can still obtain final expense life insurance coverage!

Your Definition of True Wealth

Mortgage Protection

Undoubtedly, your home stands as one of the most significant investments you’ll ever make. Beyond its financial value, your home holds a deeper significance—it serves as a sanctuary for your loved ones. To safeguard your family’s future in case of unforeseen events, a term life insurance policy can offer the support they need to remain in the cherished home you’ve provided, even after you’re no longer around.

By exploring the benefits of a term life policy, you can ensure that your mortgage is protected, guaranteeing your family’s stability. However, term policies aren’t just for mortgage protection. Credit Card or other debt, tuition or educational expenses & more!

Your Definition of True Wealth

Final Expense

Final expense plans are designed to help alleviate the financial stress associated with the death of a loved one. Due to the variety of our providers and the flexibility of final protection plans, we can structure a plan to fit your budget and find coverage for you no matter what your current health status may be.

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.

– Rosalynn Carter

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

How life insurance can help supplement retirement income At its core, life insurance serves as a means to safeguard your loved ones when you're no longer present. However, certain types of life insurance can extend their benefits beyond that, offering valuable support during your retirement years while you're still alive. These additional advantages include:
• Living benefits- Critical, Chronic & Terminal
• A way to accumulate a source of funds.
• Tax-deferred growth insulated from market volatility.
• The option to take tax-deferred distributions.

Pet Insurance

We never want to imagine our pet sick or injured. But things happen. And they happen more frequently than we might expect. In fact, the American Pet Products Association estimates 1 out of 3 pets will need emergency veterinary treatments. Whether it’s a broken leg or a cancer diagnosis, these bills can add up. If the unexpected happens, you’ll have peace of mind knowing you’ve made the smart and loving choice to protect your pet — and your pocketbook.

Cancer Insurance

A cancer diagnosis can lead to financial stress. Having cancer insurance in place ahead of time can give you one less thing to worry about during an already difficult time. You can receive cash benefits for cancer treatments, drugs, therapies and specialists — even travel, food or household expenses — so you can focus on your health and get back to living your life.

Medicare Insurance

Did you know not all Medicare Supplement plans are the same? It’s true! Here’s why we’re different … Our exclusive Innovative Plan G helps customers save money on premiums for life. We’re also one of the few companies that includes preventive care in our plans — with no maximum on the dollar amount on the preventive benefits you can receive. Plus, with our second-chance guarantee, you don’t have to worry about making the wrong plan choice.

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

In reality, the current state of the life insurance industry proves that many people don’t have enough insurance. While the population recognizes the importance of having a life insurance policy in place, 47% have put off purchasing life insurance they know they need. 59% of consumers who don’t own one say they need it.

What is life insurance?

The primary purpose of life insurance is to provide financial security and support to the policyholder’s loved ones after their death. This financial protection can help cover various expenses, such as funeral costs, outstanding debts, mortgage or rent payments, education expenses, and day-to-day living expenses. Life insurance can also serve as an income replacement for the policyholder’s dependents, ensuring they can maintain their standard of living in the absence of the insured person’s financial contribution.

What makes life insurance even more remarkable is its ability to assist individuals while they are alive, particularly in the face of critical, chronic, and terminal illnesses.

Life insurance provides peace of mind, knowing that loved ones will be taken care of financially in the event of the policyholder’s untimely death. It is an important tool in estate planning and can be customized to meet specific financial goals and family protection needs.

92%

41%

of Americans surveyed have no form of life insurance, though 84% of them say that most people need it.

80%

of working Americans have less than one year’s income saved for retirement, according to a recent report.

As your responsibilities today and expectations for tomorrow continue to develop, making well-informed financial decisions becomes essential.

We extend an invitation to explore all of our insurance plans, providing you with the financial tools you can trust to adapt to the ever-changing circumstances of your life.