Our Solutions
Public Risk Solutions
Our Public Risk Solutions provide a highly specialized insurance product designed to manage risk and lower cost unique to public entities. Especially during a downturn when budgets decrease, and operational risks increase.
Government
National, regional, and local governments around the nation
Education
Educational Institutions, Ed-tech companies, and students
Nonprofits
Nonprofits organizations, NGOs and tech companies serving nonprofits
Healthcare
Public sector healthcare organizations around the nation
Life and Retirement Solutions
Term Life Insurance
This solution provides coverage at a fixed rate of premium payments for a period of time selected by the policy owner. This is typically our least expensive life insurance option that can offer a substantial death benefit.
Return of Premium Term
This solution returns the contributed premiums for coverage if the insured party survives the policy’s term, or includes a portion of the contributed premiums paid to the beneficiary upon the death of the insured.
No Medical Exam Life Insurance
While most policies require a medical exam to qualify, we can offer a simplified issued permanent life insurance product that requires no medical exam or blood work.
Indexed Universal Life Insurance
This life insurance solution offers a death benefit coupled with a cash account that can be used to pay policy premiums or take loans and withdrawals based on policy terms. Can be set up as a savings vehicle for our clients, with cash value growth connected to the performance of an outside stock index such as the S&P 500 Index.
Fixed Indexed Annuity
This insurance solution pays a guaranteed rate of interest on the account owner’s premium contributions. Can operate in a similar manner as Indexed Universal Life insurance, where premiums are tied to an index. If you are looking for another source to supplement your retirement income, this may be a good option for you.
Final Expense Life Insurance - Guaranteed Issued
If you are worried about the ability to pay final expenses, such as a funeral, burial, and unpaid medical bills of an older family member in the case of sudden loss of life, our Final Expense Life insurance solution is right for you. With our guaranteed issue solution, no medical is required and rates are predetermined.