FAQ

What is life insurance, and why do I need it?
Life insurance provides a financial safety net for your loved ones in the event of your passing. It can help cover funeral costs, replace lost income, pay off debts, and provide financial security for the future. The need for life insurance depends on your individual circumstances, such as having dependents, outstanding debts, or a desire to leave a financial legacy.
What are the different types of life insurance you offer?
We offer various types of life insurance to meet different needs, including term life insurance (coverage for a specific period) and permanent life insurance (lifelong coverage with a cash value component). We can discuss your specific situation to determine the best fit for you.

What is mortgage protection insurance?
Mortgage protection insurance is designed to help pay off your mortgage balance if you pass away. This can provide significant peace of mind to your family, ensuring they can remain in their home without the burden of mortgage payments.
How is mortgage protection different from traditional life insurance?
While both provide financial protection, mortgage protection insurance is specifically linked to your mortgage. The coverage amount often decreases as your mortgage balance decreases. Traditional life insurance provides a fixed death benefit that can be used for any purpose.

What is IUL insurance?
Indexed Universal Life (IUL) insurance is a type of permanent life insurance that offers a death benefit along with a cash value component that can grow based on the performance of a specific stock market index (like the S&P 500), with downside protection
What are the potential benefits of an IUL policy?
IUL policies offer the potential for cash value growth tied to market indexes, tax-deferred growth, the flexibility to adjust premiums and death benefits within certain limits, and the security of a death benefit for your beneficiaries.

What is Infinite Banking (also known as the Living Benefit)?
Infinite Banking is a strategy that involves using a properly structured permanent life insurance policy to recapture the interest you typically pay to banks for loans. You essentially become your own "bank" by borrowing against the cash value of your policy.
How does Infinite Banking work?
You fund a specially designed whole life insurance policy, and over time, it accumulates cash value on a tax-deferred basis. You can then borrow against this cash value for various needs (e.g., car, education, real estate) and repay the loan back to your policy, including interest, thus "banking" with yourself.

Where are you located?
We are a family-owned company located in the Tampa/St. Petersburg, Florida area.
How can I get in touch with you for personalized advice?
You can reach us directly by calling (813) 774-2437. We'd be happy to discuss your insurance needs.

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