In simple terms, it's a tool used to create a TAX FREE transfer of generational wealth. Imagine if you could provide your children with $500,000 dollars TAX FREE to become debt free or start a business upon you passing. Here's the reality: We're all going to die. Wealthy people accept this as fact and immediately make plans to protect their legacy. Our culture waits until the last minute and end up being denied for insurance or can't afford it. Don't let that be you.

The cost of life insurance varies based on several factors, including your age, health, and the amount and type of coverage you need. A healthy 30-year-old might pay as little as $20 per month for a term life insurance policy, when an older, less healthy individual could pay several times that amount.The cost of a whole life insurance policy, which provides coverage for the duration of your life and often includes a savings component, can be significantly higher than the cost of a term life insurance policy. It is important to consider not only the cost of life insurance, but also the level of protection it provides and your unique needs and circumstances. Our insurance experts can help you determine the most cost-effective options for your

The amount of life insurance you need depends on several factors, including your income, debts, and the number of people you want to protect. A common rule of thumb is to purchase coverage equal to 10-12 times your annual income. However, this may not necessarily be the right amount for your specific situation. It's important to consider your long-term financial goals and obligations, such as paying off a mortgage, funding a child's education, or providing ongoing financial support for your family. Our insurance experts can help you determine the right amount of coverage based on your needs and circumstances. It's also important to regularly review your life insurance coverage and adjust it as your needs change over time. We can help you review your coverage and make changes as needed to ensure that you have the protection you need.