Dental / Vision / Hearing Plans



Dental, Vision, & Hearing Plans

Medicare does NOT pay for dental!  We can help you enroll in a plan that helps you get great Oral Health Care so you can keep enjoying your pearly whites.  

Great Dental Insurance Plans are very difficult to find, that’s why we have handpicked a few companies that give you an amazing value.  Most of the plans we offer also cover Vision and Hearing in the same plan.  

Qualifying is easier than you might think.  We can even complete the application right over the phone, and it takes less than 10 minutes.  Give us a call today for rates and coverage benefits.  

CALL (800) 454-1035



Final Expense Plans

What are Final Expenses?

When someone dies, there are many costs that must be paid.  Things like:

  • Funeral & plot
  • Loans
  • Credit card debt
  • Health care costs
  • Estate costs
  • Legal Costs
  • Unpaid Taxes

Too often, people leave behind unpaid expenses when they die, leaving their loved ones with enormous financial burdens.  Surviving loved ones are often forced to rack up huge credit card debt in order to pay these expenses which can take years to recover from. 

Final Expense Insurance is essentially a very small Life Insurance policy that pays a lump sum of cash (Tax-Free) to your beneficiary when you die.  Your beneficiary can use that money to pay all final expense costs.  This ensures that you leave your loved ones with loving memories of your life instead of painful memories of your debts.  


How It Works

Final expense needs are best covered with a Whole Life insurance policy. The benefits of Whole Life insurance include many guarantees:

  • Immediate coverage that begins on DAY ONE! (no waiting period)
  • Level premiums (payments don’t get higher with age)
  • Cash value (you can take this money out of the policy whenever you like)
  • Death benefit never cancels due to Age or Health
  • Death benefit that never decreases
  • No physical exams



The cost of final expense coverage is very affordable.  Many of our clients are able to obtain coverage for as little as $1 a day.  The application process is quick and easy, and can often be done right over the phone. You can apply for coverage without a physical examination – you simply answer the questions on the application.

NOTE:  For Final Expenses, we ONLY recommend a Whole Life insurance policy.  We do NOT recommend Term, Universal Life, or Accidental because these other types of insurance have a strong potential to LAPSE before you die, or not pay at all.  

Why is Final Expense Insurance so important?

The average funeral costs between $10,000 and $30,000. Existing personal debts, legal and medical bills, can all add tens of thousands of dollars on top of the funeral costs.

Ask yourself, “If I died tomorrow, could my family afford my final expenses?”  If the answer is no, then final expense insurance is essential. With a final expense policy in place, you can rest assured that your debts will never add to your family’s grief.  

CLICK HERE to obtain a FREE, no-obligation quote for a plan customized for you.  Our team of Licensed Final Expense specialists will help you to develop a plan.

Or CALL  (800) 454-1035


So you’ve taken all the steps to protect yourself from disaster due to medical conditions and it’s time to think about how to protect your finances over the long term. What has that CD that you’ve rolled over for 10 years done for you? The rate of interest for a CD is terribly low compared to an annuity, and many annuities offer guaranteed rates. Certain annuities offer an option of paying monthly interest to you, some offer bonuses for satisfying certain requirements such as leaving it for 5-10 years then taking 10%/year (that is an example, different annuities offer different terms). Because annuities are tax-deferred your money multiplies faster. But before you decide there are a number of questions you must ask yourself.

How much risk can you afford to take at your age
Do you intend to fully retire, and if so how soon?
Do you need to live on this money?
Do you need the interest generated from this on a monthly basis?
Do you have access to other liquid assets if an urgent need arises?
Where is this money now (CD, 401(k), IRA, TSP, etc)
Are you young enough to ride out any major stock market losses (this can sometimes take 10 years or more)
What percentage interest are you currently earning, and are you satisfied with that rate?
Do you qualify as an annuity candidate?
Principle 100% protected [your annuity is guaranteed never to decrease in value]
Tax Deferred [the interest earned is not taxable, unlike a CD which is taxable each year]
Avoids Probate [many people do not realize what is involved with probate and how long it delays proceeds from reaching your beneficiary]
Accessibility [you can access up to 10% of your money each year without penalty (in some cases more)]

Annuities are very complex investment vehicles that far less risky than the stock market, but also yield much higher interest rates than bank CD’s.   They are similar a corporate or municipal bond, or a bank CD.  But with a corporate or municipal bond, you are investing in a corporation or some other city or county government with specified interest rates payable over a period of years.  With a bank CD, you are committing to deposit some fixed dollar amount for a period of years in exchange for some guaranteed interest rate which is only payable to you when it matures (the end of that specified time period).  An annuity is basically the same type of thing, but instead of a bank or corporation…you place your money with an insurance company.  And instead of having your money “locked up” for several years like a Bank CD, with an annuity you can actually have access to it in limited amounts each year penalty free…oh, and it still earns interest even if you take money out for any reason.  

Want to learn more?  Let us show you in greater detail how annuities might be a better option than risky stock markets, or wimpy Bank CD’s.

Call Us NOW  (800) 454-1035

Life Insurance

Life insurance may be one of the most important purchases you’ll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children’s education, protect your spouse’s retirement plans, and much more. If you’re considering securing you and your family’s financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!

Types of Life Insurance

Whole Life

A life insurance contract with level premiums that has both an insurance and an investment component. The insurance component pays a stated amount upon death of the insured. The investment component accumulates a cash value that the policyholder can withdraw or borrow against.

As the most basic form of cash-value life insurance, whole life insurance is a way to accumulate wealth as regular premiums pay insurance costs and contribute to equity growth in a savings account where dividends or interest is allowed to build-up tax-deferred.

Term Insurance

Term Insurance, the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

Permanent Insurance, by contrast provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

Universal Life & No Lapse Universal Life

Universal life insurance was created to provide more flexibility than whole life insurance by allowing the policy owner to shift money between the insurance and savings components of the policy. Premiums, which are variable, are broken down by the insurance company into insurance and savings, allowing the policy owner to make adjustments based on their individual circumstances. For example, if the savings portion is earning a low return, it can be used instead of external funds to pay the premiums. Unlike whole life insurance, universal life allows the cash value of investments to grow at a variable rate that is adjusted monthly.

Need more information?  CLICK HERE for a no obligation quote.

Call Us NOW  (800) 454-1035