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Living Benefits in Life Insurance

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What is a Life Insurance?

Life insurance coverage intends to provide money to replace your wages in the event of your untimely death, and many consumers buy enough coverage to pay for debts like a mortgage or to cover college expenses for their children. While people who purchase life insurance hope they never need it, this kind of coverage is crucial for consumers who want to sleep well at night without worrying about what might happen to their family if they pass away. Life insurance is also an integral part of the average person's comprehensive financial plan, and this is especially true for families who have children to care for.

Living Benefits


There are additional benefits associated with our life Insurance and annuity solutions provided by optional riders. We call them Living Benefits, and we have been providing them since 1937. Based on the product, living benefits can provide benefits should a qualifying terminal, chronic or critical illness or critical injury occur1, or if your desire is to have an income that you cannot outlive.

The best way to understand the impact living benefits can have is to hear from policy owners who have actually used them.

Retirement Plans

Helping You Get One Step Closer to Retirement

How confident are you about having a comfortable retirement? If you are a little worried, you’re not alone. According to a 2014 report by the Employee Benefits Research Institute, 36% of respondents were “not very confident” or “not confident at all” about having a comfortable retirement. We can help.
Participating in your employer’s 403(b) or 457(b) plan can take you one step closer to a retirement that can support your lifestyle.

   WHAT IS A 403(B)?

A 403(b) plan is a retirement savings plan for employees of public schools, non-profits and certain churches. This is a retirement plan in addition to any type of pension your employer may offer. With a traditional 403(b) plan your contributions are tax-deferred, meaning you pay taxes on the money when you take it out of the plan. With a Roth 403(b) plan you pay taxes on the contributions up front, but the money grows tax-free.


You can take control of your retirement security by contributing to your 403(b) savings plan through payroll deductions. Your 403(b) plan allows you to accumulate savings on a highly tax-favored basis, to supplement your state teacher retirement pension plan or other retirement plans.

Your retirement savings can move with you through the years and can be transferred to other employer plans or into a traditional IRA.


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

People typically purchase annuities to provide or supplement retirement income they will receive from Social Security, pension benefits, investments and other sources. 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 of varying amounts when you need the income.

There are generally two different types of annuities:


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


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

  • Available to purchase using a single lump sum, or with flexible premiums over time.
  • When it comes time to take income from your deferred annuity, you will have many options available to meet your needs.

Contact us today and talk to one of our authorized agents. With over 20 years of experience, we are here to answer each and every question. Our staff is committed to providing the best possible service. We will work with you personally to find the best possible coverage options.