Insurance & Financial Protection Products

Final expense insurance is a type of whole life insurance designed to cover funeral costs, medical bills, and other end-of-life expenses. It provides a tax-free death benefit to your beneficiary and builds cash value over time.

Term life insurance provides a death benefit for a specific period — typically 10, 20, or 30 years. It's the most affordable way to get a large amount of coverage during your working years or while you have dependents.

Whole life insurance provides lifelong coverage with a guaranteed death benefit and a cash value component that grows tax-deferred. It's a permanent solution for estate planning, legacy building, and supplemental retirement income.

An IUL is a permanent life insurance policy that ties cash value growth to a stock market index (like the S&P 500) with a floor that protects against market losses. It offers flexible premiums and a tax-advantaged retirement income stream.

A fixed indexed annuity (FIA) is a contract with an insurance company that provides principal protection, tax-deferred growth linked to a market index, and guaranteed income options. It's a safe alternative to market-exposed investments for retirement.

Original Medicare does not cover routine dental or vision care. Standalone dental and vision plans fill this critical gap, covering preventive care, fillings, crowns, glasses, contacts, and more.

Hospital indemnity insurance pays a fixed daily, weekly, or per-admission cash benefit directly to you when you're hospitalized. Use it for any expense — copays, deductibles, lost income, or everyday bills.

Critical illness insurance (CHAS) pays a lump sum cash benefit upon diagnosis of cancer, heart attack, or stroke. The benefit can be used for any purpose — treatment, travel, lost income, or household expenses.

LegalShield provides access to a dedicated law firm for a low monthly fee — covering wills, contracts, traffic tickets, family law, and more. IDShield monitors your identity and provides restoration services if your identity is stolen.