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Our goal is to provide and compare possible coverage options with you while making sure you understand the differences.
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– what we offer –
Life Insurance Solutions for Every Need

Mortgage Protection

protection focused

Mortgage protection is a type of insurance that can help you pay your mortgage in the event that you are unable to make your payments due to unforeseen circumstances such as illness or job loss.

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Final Expense

protection focused

Final expense insurance is a type of life insurance policy that is designed to cover the costs of a person’s funeral and other end-of-life expenses.

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Annuities

Growth & Investment

It is a type of annuity that provides a guaranteed minimum interest rate, along with the potential for additional interest based on the performance of an underlying index, such as the S&P 500.

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Accidental

protection focused
Accidental Death Benefit (ADB) is a type of life insurance policy rider that pays out an additional death benefit to the policy’s beneficiaries in the event the policyholder dies as a result of an accident.
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Accidental

protection focused
Accidental Death Benefit (ADB) is a type of life insurance policy rider that pays out an additional death benefit to the policy’s beneficiaries in the event the policyholder dies as a result of an accident.
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Index Universal Life

Growth & Investment
Indexed Universal Life (IUL) insurance is a type of permanent life insurance policy that combines a death benefit with a savings component.
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General Whole Life

protection focused
Whole life insurance is a type of life insurance policy that provides coverage for the entirety of the policyholder’s life, as long as the policy premiums are paid.
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Living Benefits

Life Coverage & Family Planning
“Living benefits” refers to features that are included in some life insurance policies that allow policyholders to access a portion of their death benefit while they are still alive under certain circumstances.
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General Term Life

Life Coverage & Family Planning
Term life insurance is a type of life insurance policy that provides coverage for a specific period of time, typically ranging from one to thirty years.
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Term + Return of Premium

Life Coverage & Family Planning
A term life insurance policy with a return of premium (ROP) feature is a type of policy that provides a death benefit to the beneficiaries if the insured person dies within the term of the policy.
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Index Universal Life

Growth & Investment
Indexed Universal Life (IUL) insurance is a type of permanent life insurance policy that combines a death benefit with a savings component.
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General Whole Life

protection focused
Whole life insurance is a type of life insurance policy that provides coverage for the entirety of the policyholder’s life, as long as the policy premiums are paid.
Read More

Living Benefits

Life Coverage & Family Planning
“Living benefits” refers to features that are included in some life insurance policies that allow policyholders to access a portion of their death benefit while they are still alive under certain circumstances.
Read More

General Term Life

Life Coverage & Family Planning
Term life insurance is a type of life insurance policy that provides coverage for a specific period of time, typically ranging from one to thirty years.
Read More

Term + Return of Premium

Life Coverage & Family Planning
A term life insurance policy with a return of premium (ROP) feature is a type of policy that provides a death benefit to the beneficiaries if the insured person dies within the term of the policy.
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Children's Policies

Life Coverage & Family Planning
Children’s whole life insurance is a type of whole life insurance policy that is designed to provide coverage for a child’s entire life.
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Infinite Banking Concept

Growth & Investment
IBC stands for Infinite Banking Concept, which is a personal finance strategy that involves using a specially designed whole life insurance policy as a savings and investment tool.
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SBA Loan Life Protection

protection focused
The U.S. Small Business Administration (SBA) does not require life insurance as a condition for obtaining a loan. However, some lenders who participate in SBA loan programs may require life insurance as a way to mitigate their risk in the event of the borrower’s death.
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Founded: 1853
Financial Rating: A (Excellent) from AM Best Aetna, backed by CVS Health’s resources and expertise, provides straightforward, reliable life insurance solutions. Known for its focus on accessibility and stability, Aetna helps individuals secure their financial future with confidence and simplicity.
Founded: 1919
Financial Rating: A (Excellent) from AM Best Corebridge offers whole life insurance designed to provide lifelong protection and financial security. With guaranteed premiums and cash value accumulation, their whole life policies offer both peace of mind and savings, giving policyholders financial flexibility throughout life.
Founded: 1909
Financial Rating: A+ (Superior) from AM Best Mutual of Omaha delivers whole life insurance with fixed premiums and cash value growth, ensuring long-term coverage. Known for its exceptional customer service and robust financial stability, the company offers reliable protection for individuals and families.
Founded: 1963
Financial Rating: A (Excellent) from AM Best Cincinnati Equitable specializes in final expense whole life insurance, providing affordable policies with no medical exams required. Their plans cover burial and end-of-life costs, ensuring families have peace of mind during difficult times.
Founded: 1874
Financial Rating: A (Excellent) from AM Best Foresters offers whole life insurance with a unique twist—policyholders gain access to scholarships, grants, and volunteer opportunities. Their focus on community involvement adds value beyond financial protection.
Founded: 1935
Financial Rating: A (Excellent) from AM Best TruStage offers whole life insurance with quick approvals, providing credit union members with reliable, lifelong coverage at competitive rates.
Founded: 2009
Financial Rating: A (Excellent) from AM Best Athene combines innovation and financial strength to offer permanent life insurance products tailored for retirement planning. With a focus on customer needs, Athene ensures clients have lasting protection and income security.
Founded: 1955
Financial Rating: A+ (Superior) from AM Best Aflac offers whole life insurance with guaranteed premiums and cash value accumulation. Known for swift claims processing and strong service, Aflac helps policyholders secure lifelong financial protection with ease.
Founded: 1868
Financial Rating: A (Excellent) from AM Best Catholic Financial Life blends whole life insurance with fraternal benefits, providing both lifelong coverage and access to community programs that support members throughout their lives.
Founded: 1848
Financial Rating: A (Excellent) from AM Best National Life’s whole life policies are built to promote long-term wealth, with cash value growth options that evolve alongside policyholders’ changing needs.
Founded: 1983
Financial Rating: A- (Excellent) from AM Best Great Western provides final expense whole life insurance, making it easy for policyholders to plan for end-of-life costs. With straightforward policies that build cash value, families are protected without hassle.
Founded: 1895
Financial Rating: A (Excellent) from AM Best A fraternal organization, Royal Neighbors offers whole life insurance that combines financial protection with access to scholarships, grants, and member benefits.
Founded: 1862
Financial Rating: A+ (Superior) from AM Best John Hancock offers whole life insurance with flexible options and cash value growth, catering to both everyday families and high-net-worth individuals seeking long-term financial planning.
Founded: 1910
Financial Rating: A- (Excellent) from AM Best Illinois Mutual offers whole life insurance designed for middle-income families, with competitive premiums and policies that grow cash value over time.
Founded: 1905
Financial Rating: A+ (Superior) from AM Best Lafayette Life specializes in participating whole life insurance, allowing policyholders to earn dividends while growing their cash value, offering a powerful tool for long-term financial growth.
Founded: 1967
Financial Rating: A (Excellent) from AM Best Gerber Life’s whole life insurance products, including the Grow-Up Plan, offer families easy access to lifelong coverage and savings from an early age.
Founded: 1904
Financial Rating: A (Excellent) from AM Best Transamerica provides whole life insurance with living benefits, giving policyholders the flexibility to access funds when needed and ensuring lifelong protection.
Founded: 1946
Financial Rating: A (Excellent) from AM Best Americo offers whole life insurance with simplified underwriting, making it easy to secure quick approvals and reliable coverage for final expense needs.
Founded: 1910
Financial Rating: A (Excellent) from AM Best American-Amicable’s whole life insurance focuses on final expense coverage with easy approvals, offering peace of mind to policyholders planning for the future.
Founded: 1887
Accreditation: A+ rating from the Better Business Bureau (BBB) Polish Falcons of America offers whole life insurance that provides both financial security and a connection to cultural heritage. With an A+ rating from the BBB, the organization demonstrates a strong commitment to customer service and trustworthiness. Polish Falcons blends life insurance with community engagement, helping members stay connected to their roots while securing their financial future.
Founded: 1882
Financial Rating: A- (Excellent) from AM Best Baltimore Life provides whole life insurance, focusing on affordable final expense coverage that builds cash value while protecting families financially.
Founded in 2016, Ethos Life offers whole and term life insurance through top-rated partners:
  • Legal & General America (founded 1836): Comprehensive term policies.
  • Ameritas Life (founded 1887): Personalized life insurance solutions.
  • TruStage (founded 1935): Reliable, affordable coverage.
With an A rating via AM Best, Ethos provides a quick, trusted digital path to life insurance.
Founded: 1907
Financial Rating: A (Excellent) from AM Best SBLI offers whole life insurance with competitive rates, providing long-term coverage with cash value growth to secure policyholders’ financial future.
Founded: 1968
Financial Rating: B++ (Good) from AM Best CICA Life specializes in international whole life insurance, catering to expats with flexible, globally accessible policies.
protection focused

Mortgage Protection

What is it?
Mortgage protection insurance helps cover your mortgage payments if you are unable to pay due to unforeseen circumstances, such as:
  • Illness
  • Job Loss
  • Other Unexpected Hardships
How it Works:
  • Covers the policyholder for a specific period.
  • Provides financial support to keep up with mortgage payments during tough times.
  • Offers peace of mind knowing that your family is protected from financial strain.
How it Works:
  • Mortgage protection insurance helps the policyholder by ensuring mortgage payments are covered during hardships.
  • Mortgage insurance, on the other hand, protects the lender if the borrower defaults on the loan.
protection focused

Final Expense

What is it?
A type of life insurance policy designed to cover the costs associated with a person’s funeral and end-of-life expenses.
Coverage Amount:
  • Typically ranges from $5,000 to $50,000.
  • The amount varies based on the policyholder’s needs and budget.
What Does It Cover?
  • Funeral costs
  • Burial or cremation expenses
  • Memorial service costs, including a headstone or other related expenses
Growth & Investment

Fixed Indexed Annuity (FIA)

What is it?
  • A contract between an individual and an insurance company.
  • Offers a guaranteed minimum interest rate with potential for additional interest based on an underlying index, such as the S&P 500.
How it Works:
  • Combines the security of a fixed annuity with the potential for higher returns found in variable annuities.
  • Interest credited is tied to the performance of an index, with a cap on the total interest that can be earned.
Key Benefits:
  • The annuity holder can benefit from market gains.
  • Provides protection from market losses, ensuring stability even in volatile markets.
protection focused

Accidental Death Benefit (ADB)

What is it?
Accidental Death Benefit (ADB) is a rider added to a life insurance policy that pays an additional death benefit if the policyholder dies due to an accident. It offers extra financial support to the policyholder’s loved ones, ensuring added security in case of an unexpected and sudden death.
How it Works:
  • The ADB payout is given on top of the policy’s base death benefit, which covers all types of death, including natural causes.
  • To qualify for ADB, the policyholder must pass away within a specific time frame—usually 90 days after the accident occurs.
  • The cause of death must be directly linked to the accident for the benefit to apply.
Examples of Covered Accidents:
ADB covers various accidents, including but not limited to:
  • Car Accidents
  • Falls
  • Drowning
  • Fires
Growth & Investment

Indexed Universal Life (IUL) Insurance

What is it?
IUL is a type of permanent life insurance that offers both a death benefit and a savings component. It provides lifetime coverage as long as the premiums are paid, making it a versatile financial tool for long-term planning.
How it Works:
  • Lifetime Coverage: IUL policies remain active for the policyholder’s entire life, provided the premiums are up to date.
  • Cash Value Growth: In addition to the death benefit, IUL policies accumulate a cash value. This value earns interest based on the performance of a stock market index, such as the S&P 500.
  • Tax-Deferred Growth: The cash value grows tax-deferred, meaning policyholders do not pay taxes on the gains unless they withdraw the money.
Key Benefits:
  • Flexible Premiums: The cash value can be used to pay premiums, reducing the out-of-pocket cost for the policyholder.
  • Loan Option: Policyholders can borrow against the cash value of the policy if needed.
  • Investment Growth Without Market Risk: Although the cash value is tied to the market index, the policyholder does not lose money if the market declines.
protection focused

General Whole Life

What is it?
Whole life insurance provides lifetime coverage as long as the premiums are paid. It offers both a death benefit and a savings/investment component, making it a popular option for those seeking long-term financial security.
How it Works:
  • Lifetime Coverage: The policy remains active for the policyholder’s entire life, provided premiums are consistently paid.
  • Death Benefit: Upon the policyholder’s death, the death benefit is paid to beneficiaries, helping provide financial support.
  • Savings/Investment Component: The policy builds a cash value over time, which grows with interest.
Key Features:
  • Higher Premiums: Premiums for whole life insurance are generally higher than term life policies, as the coverage lasts a lifetime and includes an investment feature.
  • Cash Value: The cash value component can be:
  • Borrowed against for personal use.
  • Withdrawn by the policyholder if needed.
Life Coverage & Family Planning

Living Benefits

What is it?
Living benefits are features included in some life insurance policies that allow policyholders to access a portion of their death benefit while they are still alive, under specific circumstances.
When Can They Be Accessed?
  • Chronic Illness: If the policyholder is diagnosed with a long-term illness that requires ongoing care.
  • Critical Illness: In cases of severe medical conditions like cancer, heart attack, or stroke.
  • Terminal Illness: If the policyholder is given a limited time to live (e.g., 12 to 24 months).
Key Benefits:
  • Financial Relief: Helps cover medical expenses, treatments, or daily living costs during tough times.
  • Flexibility: Policyholders can use the funds however they choose—whether for medical bills or personal needs.
  • Peace of Mind: Provides access to funds without waiting until the policyholder’s death.
Life Coverage & Family Planning

General Term Life

What is it?
Term life insurance provides coverage for a specific period, usually ranging from 1 to 30 years. If the policyholder passes away during the policy’s term, the death benefit is paid to the designated beneficiary.
Why Choose Term Life Insurance?
  • More Affordable: Premiums are typically lower than permanent life insurance because the policy only provides coverage for a specific term.
  • No Cash Value: Unlike permanent life insurance, term policies do not accumulate cash value—making them a straightforward option focused on protection.
How it Works:
  • Fixed Term Coverage: The policy covers the policyholder for a set period. Once the term expires, the coverage ends unless the policy is renewed or converted.
  • Death Benefit: If the policyholder dies during the term, the beneficiary receives a payout to help cover financial needs.
Key Uses:
  • Pays for expenses such as:
  • Funeral costs
  • Outstanding debts
  • Living expenses for loved ones
  • Provides temporary financial protection, such as when children are still young or when the policyholder has outstanding loans.
Life Coverage & Family Planning

Term + Return of Premium

What is it?
A term life insurance policy with a return of premium (ROP) feature provides a death benefit to beneficiaries if the policyholder passes away during the policy term. However, if the policyholder outlives the policy term, the insurance company returns all premiums paid during the term.
How it Works:
  • Death During the Term: If the policyholder passes away, the beneficiaries receive the death benefit as outlined in the policy.
  • Outliving the Term: If the policyholder survives the entire term, the total premiums paid are returned to the policyholder.
Key Benefits:
  • Financial Protection: Offers the standard death benefit during the policy term.
  • Money-Back Guarantee: If no claim is made, the policyholder gets a full refund of premiums paid.
  • Affordable Coverage with Added Value: While ROP policies tend to be more expensive than standard term policies, they provide extra financial reassurance for policyholders.
Life Coverage & Family Planning

Children's Policies

Children's Whole Life Insurance

What is it?
Children’s whole life insurance provides lifetime coverage for a child, ensuring the policy remains active throughout the child’s life as long as premiums are paid.
How it Works:
  • Lifetime Coverage: The policy guarantees coverage for the child’s entire life.
  • Savings Component: In addition to the death benefit, it builds cash value over time, similar to traditional whole life insurance.
  • Financial Flexibility: The cash value can be borrowed against or withdrawn when needed, providing future financial support.

Children’s Indexed Universal Life (CIUL)

What is it?
CIUL is a version of Indexed Universal Life (IUL) designed for children. It combines a death benefit with a savings component that has the potential to grow based on the performance of a stock market index, such as the S&P 500.
Key Features of CIUL:
  • Investment Growth Potential: The cash value grows over time, tied to the performance of a market index.
  • Tax-Deferred Growth: The savings component grows without immediate tax liabilities.
  • Flexible Premiums: Policyholders can use the cash value to reduce premiums in the future or borrow against the policy.
Growth & Investment

Infinite Banking Concept

What is it?
IBC is a personal finance strategy that leverages a specially designed whole life insurance policy as a savings and investment tool. It allows policyholders to accumulate cash value within the policy and borrow against it, functioning like a personal bank.
How it Works:
  • Building Cash Value: As premiums are paid, the policy’s cash value grows over time.
  • Borrowing from the Policy: The policyholder can borrow against the cash value to fund expenses or investments.
  • Flexible Repayment: Loans taken from the policy can be repaid over time with interest, giving the policyholder control over the repayment terms.
Key Benefits:
  • Self-Financing: Policyholders can use their own cash value to fund major expenses (e.g., business ventures, education, or emergencies).
  • Tax Advantages: Loans from the policy are generally tax-free.
  • Lifetime Growth: The policy’s cash value continues to grow even while loans are outstanding, allowing uninterrupted savings growth.
protection focused

SBA Loan Life Protection

What is it?
While the U.S. Small Business Administration (SBA) does not require life insurance to approve a loan, some participating lenders may require it to reduce their risk in case the borrower passes away.
How it Works:
  • Lender Requirement: If required, the borrower must purchase a life insurance policy and name the lender as the beneficiary.
  • Coverage Amount: The amount of life insurance required depends on the size of the loan and the lender’s risk assessment.
Key Purpose:
  • Risk Mitigation: Life insurance ensures that the loan will still be repaid, even if the borrower passes away.
  • Peace of Mind for Lenders: Helps protect the lender from financial losses by ensuring the outstanding loan amount will be covered.
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