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I Want to Financially Protect My Family.

I Want Access to Cash for Whatever Reason I Need.

I Want to Supplement My Pension Retirement Income Tax Free.

​I Want Extra Cash to Pay for Potential Long Term Care Needs

Here Are Your Options...

Click on each company's logo to see how their policies can help you!

What Is An Annuity?

Annuities 101

Annuities 

An annuity is an agreement (contract) between you and an insurance company that allows you accumulate funds on a tax-deferred basis for you to receive in as guaranteed income later on in life, like during retirement.

​Since the funds are accumulated on a tax-deferred basis, your guaranteed income will be taxed as income when you receive payment. ​

Annuities

An annuity is an agreement (contract) between you and an insurance company that allows you accumulate funds on a tax-deferred basis for you to receive in as guaranteed income later on in life, like during retirement.

​Since the funds are accumulated on a tax-deferred basis, your guaranteed income will be taxed as income when you receive payment. ​

IUL = Index Universal Life Policy Info

​(IUL) insurance policies can help you to build wealth while leaving behind a death benefit for your loved ones.

The advantage of an IUL over a regular whole life policy is that just provides a death benefit to your beneficiaries is that an IUL can give you cash value to use during your lifetime via a withdrawal or a loan.​
Depending on the size of the policy you want, an IUL can provide up to tens of thousands, hundreds of thousands to over a million dollars for you to have access too, this cash value growth is based on the index (stock market) that the IUL is connected to.

​Your death benefit can also increase allowing your beneficiaries to have more than you the original death benefit already guaranteed. 

IUL = Index Universal Life Policies

​(IUL) insurance policies can help you to build wealth while leaving behind a death benefit for your loved ones.

The advantage of an IUL over a regular whole life policy is that just provides a death benefit to your beneficiaries is that an IUL can give you cash value to use during your life time via a withdrawal or a loan.

Depending on the size of the policy you want, an IUL can provide up to several hundred thousands of dollars for you to have access too, this cash value growth is based on the index (stock market) that the IUL is connected to.

​Your death benefit can also increase allowing your beneficiaries to have more than you the original death benefit already guaranteed. 

Income Advantage IUL

Income Advantage is an indexed universal life policy emphasizing strong cash value accumulation.

Mutual of Omaha uses interest credits from a market index, allowing you to have greater potential for growth than you would from a traditional fixed interest universal life policy. You have the opportunity to access the cash value for future needs.​
  • Individuals looking to accumulate cash to supplement a retirement fund, create an education fund or prepare for financial emergencies.
  • Younger working professionals protecting their families and seeking to save for future expenses.
  • Pre-retirees replacing their income for spouse or partner.
  • Business owners

Life Protection Advantage IUL 

Life Protection Advantage is an indexed universal life policy emphasizing long-term, affordable death benefit protection along with flexibility for the future. 
  • Individuals with a long-term death benefit need such as income replacement, wealth transfer or estate planning.
  • Want to lock-in a death benefit that is guaranteed for a meaningful number of years

IUL Express

Indexed Universal Life Express is an indexed universal life policy that provides long-term death benefit protection. It is issued on a simplified underwriting basis, which means no medical test is needed to apply. 

Issue Ages: 18 to 70 (Non Smoker), 18 to 65 (Smoker)
This policy is good for:
  • Individuals with a long-term death benefit need to protect their family and replace their income should something happen to them.
  • Want their coverage issued quickly without lengthy health inquiries

Annuities 

An annuity is an agreement (contract) between you and an insurance company that allows you accumulate funds on a tax-deferred basis for you to receive in as guaranteed income later on in life, like during retirement.

​Since the funds are accumulated on a tax-deferred basis, your guaranteed income will be taxed as income when you receive payment. 

Benefit Solutions 10

  • Guaranteed income that cannot be outlived.
  • A way to help with potential nursing home expenses.
  • Death benefit protection to leave a legacy to your loved ones.

VersaChoice 10

The earned interest rate growth of your annuity is locked in at each contract anniversary year.  This means your annuity cash value that your retirement income is based can never go down below the locked in interest growth already earned from the contract anniversary date. 

If your annuity has a higher growth rate at the end of the next contract anniversary then you now have a new higher locked in rate that your annuity cannot go lower than. 

IUL = Index Universal Life Policy

(IUL) insurance policies can help you to build wealth while leaving behind a death benefit for your loved ones.
The advantage of an IUL over a regular whole life policy is that just provides a death benefit to your beneficiaries is that an IUL can give you cash value to use during your lifetime via a withdrawal or a loan.

Depending on the size of the policy you want, an IUL can provide up to tens of thousands, hundreds of thousands to over a million dollars for you to have access too, this cash value growth is based on the index (stock market) that the IUL is connected to.

​Your death benefit can also increase allowing your beneficiaries to have more than you the original death benefit already guaranteed. ​

Builder Plus IUL 3

Designed to provide a strong income stream (before or during retirement) while reducing the effects of volatility and taxes on your overall financial portfolio.

Protection Builder IUL

Guaranteed Death Benefit up to the age of 120 years old.

15 Days old to 75 years old can be covered with Protection Builder.

Smart Builder IUL 2

Smart Builder IUL may be a good fit for you if: 

  • You are between the Ages 55 - 75.
  • You desire to pass on a legacy through a death benefit.
  • You are a business owner that wants to provide unique benefits to retain key employees.
  • You have an underperforming life insurance policy that is not meeting your financial needs.
  • You are concerned about how you will pay for future potential long term care. (nursing home, assisted living facility, etc.)

IUL = Index Universal Life Policy

A Sage IUL provides immediate death benefit protection along with wealth accumulation potential through indexed-linked crediting strategies, downside market protection, tax advantages, and access to accumulated cash values through loans and withdrawals.

​The unique and powerful combination of features can help provide a solution to alleviate a lifetime of concerns, even if those concerns change over time.

Sage IUL

Sage Wealthcare

Single Premium IUL
  • Guaranteed Financial Protection.
  • Cash value growth opportunities.
  • Downside protection from stock market activity.
  • Return of Premium if your financial needs change in the future.