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Avoid getting several insurance companies contacting you and pressuring into buying one of their policies by letting us do the shopping for you. Just give your information once, and we deal with all the headache!
No hassle. No headaches. No time wasted.
Our team does all the work for you so that you get the best insurance policies for YOU.
Our mission is to provide clarity on financial literacy and help each of our clients find what they need for a secure future.
Having an arsenal of financial protections like life insurance, mortgage protection, and a debt-free life plan will ensure you and yours are prepared to take on life’s pitfalls.
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No. Using a broker costs nothing extra for you. We do all the work, so you can save on time while also avoiding the stress of shopping around and possibly getting confused by the options.
Nearly 60% of the American people are uninsured, and an equally staggering number have no savings or financial plan of any sort in place. Because of this, nearly 90% of families who lost the primary income earner will end up in foreclosure within the first two years of their passing.
Because Life insurance and annuity products are regulated but not run by the government, the near 40 carriers we work with are constantly competing and improving their products in customer service and quality offerings. Many have been around for more than 80 years.
This can be a fair perspective to have. Like with automotive, tech, and even service sales, there is a lot of predatory and frankly unethical selling that happens in the sales environment. The big violators here are salesmen overselling clients, and the other is a product called a Variable Annuity (which is something we’ll go deeper into in our video series).
As a general rule, by law, insurance has to be aleatory, meaning that insurance companies have to offer you something of greater value than what you are giving them in premiums. Our primary goal is education, along with that education we offer safe and ethical evaluations for insurance coverage, annuity planning, and even debt resolution.
While it has become a bit of buzz phrase on the internet, it is a simple concept with difficult execution. To be “Financially Literate” you have to do three things:
- Understand what money is and how it works.
- Learn to know where ALL your money is and what it’s doing.
- Understand the difference between money and wealth.
Money, put simply, is currency. A valued trade note that is traded for goods and services. Money is valued based on how much of it there is and how likely you are to be able to trade it for said goods and services. We’ll go into this deeper in our video series, but for now, just understand that a healthy currency is essential to a healthy economy of labor and goods.
Most people have a great idea of how much they make and no idea how much or where they spend it. Living paycheck to paycheck has become a cultural staple in many parts of the world for the downtrodden and the hopeless. Start counting your money and pay attention to where it goes. Learn to budget and to understand the difference between NEED and WANT.
There are essentially two types of Life insurance, permanent and temporary, or whole and term. There are dozens of different subtypes of these two primary types, and they can get pretty confusing if you don’t know what you’re looking at. Insurance has to cover something. That’s its job, so there are different types of long-term and short-term insurance based on different concerns.
Whole life insurance is permanent life insurance, as long as you maintain your payments Whole life lasts…well, for your whole life. Because it lasts until you die(or until you reach a certain age) it is the most expensive of the lot, but it also has a lot more utility than other types of insurance, and we’ll teach you what you need to know.
Term life is the most affordable of insurance, and as the name suggests it is for a certain term, 5, 10, 15, 30 years. The face amounts are larger and the monthly payments are lower. The utility is not as broad, as term life is pure life coverage, meaning it only pays out(with a few exceptions) when you pass away and develops no cash value.
Annuities are essentially Living Insurance. They are designed to pay out at a certain age, so you don’t outlive your money. Annuities are generally expensive, similar to a self-funded retirement like an IRA or a Roth IRA. With smart financial planning, this can be affordable for anyone with a regular income.
Mortgage protection is a type of policy designed to protect your family from losing their home in the event of your death. In the old days, Mortgage Protection was provided through Mortgage lenders, and the lender got the money if you passed away. Now, the protection we offer pays out to your family, not to the bank.
Debt Free Life or DFL is a financial planning strategy using Life Insurance to create your own self-lending account, or to put it more simply, to create your own bank. You’ll see the term infinite banking all the time on social media, this is that.
Medication prices in the United States are out of control, Quilty Rx is a discount card that helps with discounts all across the US on prescriptions and other essentials from more than 35,000 pharmacies across all 50 states.