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Indexed products credit interest based on the changes in value of a major market index.  However, your policy can never lose value due to market downturns because there is a 0% floor built in which allows you to take advantage of the upside potential of the index while also having downside protection in the event the index drops below 0%.

Accelerated Benefits Riders are optional, no additional cost riders that can allow you to access all or part of the death benefit while you are living if you experience a qualifying terminal, chronic or critical illness or critical injury. Benefits can be used for any purpose. 

Benefits are triggered when your doctor certifies you are unable to perform two out of six "activities of daily living" for a period of at least 90 consecutive days without assistance, or that you are generally cognitively impaired.

Activities of Daily Living includes:

         Bathing                   Eating

         Continence          Toileting

         Dressing                Transferring

We all have hopes and dreams for our children.  A Start Smart plan can help fund those plans.  Unlike 529 College plans, the cash value in a life policy has no restrictions on use, so if educational plans or goals change, you can pivot to the new need with less tax implications.  Additionally, life insurance is not listed on the child's FAFSA application.

These are some examples where I help people protect their loved ones and secure their financial goals.  We're all unique, with different needs.  Let's talk about your goals and needs. Then, I'll come up with no obligation solutions for your financial protection.