Life Insurance

You likely have seen benefits of investing in the substantial bull market during the past few years. There is a way to lock in gains and allow you to participate in a portion of a future stock index gain, if any. Also, no matter where the market goes, your money would be guaranteed a minimum interest rate. Would this interest you? Minimum deposit = $5,000. What I suggest has no market risk, is creditor-proof, funds are tax-deferred, so that what you would have paid the IRS each year, is not reported until the monies are withdrawn.

This nice feature allows you to let what you would have paid in annual capital gains taxes to grow inside of your contract.

We can offer you:

	A rate of return linked to the S&P 500
	Without risk to Principal
	Guaranteed minimum growth
	Tax-deferred Growth
	An income that you cannot outlive, if you so choose
	No probate procedure (or costs) on these funds at death

Please call for an appointment to learn more.

Tax-deferred Annuities

Often used for purpose of funding insurance payments for long-term care with the security of guarantees, avoidance of probate and the knowledge that these investments are creditor-proof & without loads, or fees. This accumulation of monies is on tax-deferred basis (no1099's until the monies are spent) and then taxed on a reduced basis.

Some of the monies used as income are considered principal.This is according to current regulations & rules. 100% guarantee on principal and guarantee of minimum interest and guarantee of your principal.

Life Insurance - For children ,adults, Mortgage protection, as well as Estate Planing

Term- 5, 10, 15, 20 or 30 year guaranteed death benefit &

level premiums

	Whole Life
	Universal Life
	First or Second to Die

and more...