Have you been affected by the Pandemic and Government Mandates?

Is your current policy out of date?

A lot has changed since you first purchased your life insurance policy! After several conversations with clients, we have discovered something about their existing life insurance plan.

“They don’t know what they don’t know.”

You may be able to eliminate or save money on your monthly premium payments as well as add other benefits to your policy at no additional cost. Without a Policy Review, you will never know if you are missing out on benefits you and your family should have!

Your Policy could have...

Long Term Care

No added cost, Includes Living Benefits: Chronic and Critical Care

Lower Monthly Cost

for more or the same as your current coverage

Tax Free Transfer

Do you no longer need your policy? Your Cash value can be transferred into a safe Tax Differed Account.

No More Premium Payments

Lock in your Coverage amount and eliminate monthly premium

Rate of Return

Earn historically better interest % on your cash value – without market risk.

No Medical Exams

Some plans provided new benefits without medical exams.

We have answers...

We are the Financial Brothers, and we provide you the answers to questions you didn’t even know to ask.

Retirement Income Planning

Retirement Income Strategies
Tax-Efficient Income Srategies
Social Security Claiming Strategies
State and Federal Income Tax Planning

Asset Protection Planning

Insurance Planning
Reducing Risk
Transferring Risk
Managing Risk

Estate Planning

Estate Tax Reduction Strategies
Estate Tax Funding Strategies
Living Trust Design
Life Insurance Trust Design
Life Insurance Policy Design
Shopping for the Most Competitive Life Insurance Policy
Charitable Planning
Gifting Strategies to Benefit Your Children/Grandchildren

Business Planning

Business Income Tax Reduction Strategies
Buy-Sell Agreement Design
Employee Fringe Benefits
Deferred Compensation Strategies
Business Exit Strategies

Health Insurance

Group/Business Benefits
Individual Health Plans
Medicare Supplements and Advantage Plans

Life Insurance

Life Term Insurance
Whole Life Insurance
Universal Life Insurance
Indexed Life Insurance
Disability Insurance
Long-Term Care Insurance

Annuities

Fixed Annuities
Fixed Indexed Annuities
Immediate Annuities

Investment Planning

Mutual Funds
Managed Accounts