Get Individual Life Insurance in NV, AZ, and CA

Whole Life Insurance

• Protection that lasts a lifetime with financial value that you can use along the way. Common uses include; family protection, college planning support, retirement income strategies, emergency funds, business planning, and estate/legacy planning. Coverage for any of these purposes with fixed premiums, zero market exposure, guaranteed death benefit, and cash value that grows tax deferred. Whole life can be started at any age and the longer it is in force, the more the cash value will grow.
• Indexed Universal Life: Whole life coverage with more flexibility in premium structure and market linked growth. IUL policies are linked to a stock market fund like the S&P 500 offering more potential growth with downside market protections. IUL’s have more growth potential and can be structured to have a death benefit that increases over time.

Term Life

• Term life insurance provides pure protection for a set period of time (the “term”), such as 10, 20, or 30 years. If the insured person passes away during that term, the policy pays a tax-free death benefit to their beneficiaries.
• Term policies offer a cheaper and more simplified life insurance solution compared to whole life. However, there is no cash value and the coverage ends when the term is over, unless renewed or converted.
• Common uses include; income replacement for a family, mortgage or debt protection, raising children & college years, business protection (key person or buy-sell needs), budget-conscious coverage for young families, and short- to mid-term obligations.

Key Man Insurance

• A Key Man (Key Person) policy is a life insurance policy that a business owns and pays for on the life of a critical employee, owner, or executive. The business is the beneficiary and the business receives the payout if that person passes away. It’s designed to protect the company from financial loss if someone essential to the success of the business unexpectedly dies.
• A key person is anyone whose knowledge, skills, or relationships are difficult to replace, such as:
  • Founders / Owners
  • CEOs / Executives
  • Top Sales Performers
  • Specialists or Technical Experts
  • Lead Engineers / Designers
  • Partners in a partnership

Long Term Care

• Long-Term Care insurance helps pay for care when a person can no longer perform basic daily activities on their own due to aging, illness, cognitive decline (like dementia), or injury. It’s designed to cover extended care services that health insurance and Medicare typically do not pay for, such as:
  • In-home caregivers
  • Assisted living facilities
  • Nursing homes
  • Memory care units
  • Adult day care services
• Financial protection to ongoing care services which can range from $4,000 - $15,000 per month. Long-Term Care Insurance helps pay for the support someone needs when they can no longer live independently — protecting their savings, reducing the burden on family, and giving them more control over how they receive care.

Disability

• Disability insurance replaces a portion of your income (generally 40-70%) if you’re unable to work due to injury or illness. It’s designed to protect your paycheck, so you can continue to pay bills and maintain your lifestyle while recovering.
• Short-Term Disability
  • Covers disabilities lasting weeks to months
  • Often provided through employers
  • Kicks in quickly (short waiting period)
• Long-Term Disability
  • Covers disabilities lasting years or until retirement age
  • Has a longer waiting period (usually 90–180 days)
  • Replaces income during long-term health events