Mortgage Protection Insurance

This is where My experience becomes Your Big asset. There are hundreds of different mortgage protection companies hoping to earn your business. It is a very competitive market and I shop around for the very best deals for you.

Mortgage protection insurance (MPI) is a type of insurance that can help pay your mortgage if you die or become critically ill often including Heart attack, cancer, stroke, kidney failure, ALS, and other critical conditions that limit your life expectancy and ability to earn income to pay the mortgage.

Final Expense Insurance

Your family will always come first! You wouldn't want them to bear huge and unexpected financial burdens at the time of your passing. 

Final expense insurance aka burial or funeral expense insurance is a permanent policy that pays off end-of-life expenses. It's a small, inexpensive whole life insurance policy that's designed to cover small to moderate cost, typically ranging from $2,000- $50,000 these cost can include funeral arrangements, medical bills, legal expenses, paying off a mort paying off auto loans. Final expense insurance will pay for your funeral services, bills, and other associated cost. 

Tens of millions of homeowners that got their mortgage before houses and mortgage cost increased now have Golden Mortgages with significant equity that’s growing fast and will become their most valuable asset for retirement. 

Indexed Universal Life Insurance

Indexed universal life (IUL) insurance is a type of permanent life insurance that provides a ca$h value component along with a death benefit. The money in a policyholder's ash value account can earn interest by tracking a stock market index selected by the insurer, such as the Nasdaq-100 or the Standard & Poor's 500.

The simplistic way it works is you can put as much money as you want, it compounds tax-free, you can pull money out of it tax-free, if you get a qualifying illness you can use the money while your alive and when you die because there's a life insurance benefit, it pays tax-free!

That's the good news, the bad news it’s the most difficult to get approved for and because it's life insurance you have to qualify with your health, so I go through some healthy questions decide on the carrier that is most likely to give an approval and submit the application for approval.

Typically 1-2 weeks we get an email if they approved you, declined you or gave a rating that is less than we applied for. There will never be a charge for our assistance or for a friendly, no-obligation chat to ask questions and get the answers you’re looking for.