Services
Life Insurance.
As independent producers, we can compare options from the carriers we work with. Our focus is to help educate and then match our client's needs and desires with the right type and amount of life insurance. We can assist you with many types of life insurance, but we specialize in specifically designed whole life and convertible term insurance. Protection and savings are the foundation of any solid financial plan. Let us help with all your life insurance needs.
Convertible term insurance gives you affordable protection now, along with the option to convert it to a permanent whole life policy later without a new health exam. That can lock in your insurability even if you are not ready to commit to whole life today. Conversion rights, deadlines and costs vary by policy.
Annuities.
Annuities can turn savings into an income stream you cannot outlive, which can help reduce the risk of running out of money in retirement. We also help you understand how insurance products may fit alongside your other retirement planning. We do not give investment or tax advice.
Guarantees depend on the contract and the claims-paying ability of the issuing insurer. Fees, surrender charges and tax rules apply.
Bank On Yourself®.
As a Bank On Yourself® Professional we have the training, expertise, and network to help you navigate and implement the Infinite Banking Concept. It may be worth exploring if it fits your goals.
Wealth/Legacy Planning.
With proper planning, understanding, and faith every person should live an abundant life of love. A good person leaves an inheritance for their children's children. Life insurance can turn assets into a death benefit that is generally received income tax free by your beneficiaries. Estate tax treatment depends on how the policy is owned and on current law. Talk with a tax professional.
“The ownership of any property makes its holder a steward of Providence, with the task of making it fruitful and communicating its benefits to others, first of all his family.” Catechism of the Catholic Church, 2404. See also Proverbs 13:22.
Long-Term Care
Care later in life, such as help at home, assisted living or a nursing facility, can cost far more than most families expect, and Medicare generally does not pay for long-term custodial care. Long-term care coverage, including insurance and life insurance or annuity policies with care benefits, can help pay for that care so your savings and your family are not left carrying it. We can help you understand the options and see whether one fits your situation.
Coverage is subject to underwriting, benefit triggers, waiting periods and exclusions. Premiums and benefits vary by product, and some policies allow premium increases.
Estate Planning
Let The Life Rock help you get all your Estate planning documents in order. We have partnered with EstateDocsPro to give our clients an intuitive, simple, and affordable path to get all their estate planning documents in order. Try this service out with a 10 day free trial, or sign up now and complete your documents today.
Start the 10 day free trial Sign up now
EstateDocsPro is a third party service. The Life Rock may receive compensation if you sign up. This is not legal advice, and The Life Rock is not a law firm.