The right balance of commissions and product quality is essential to operating a successful agency. We are committed to providing a broad portfolio of products and services. Please pick and choose just the right mix for your sales efforts.

Level Term - Level term from top carriers, plus a variety of back-up carriers when your client is not absolutely perfect. Our term portfolio was carefully selected to make your term quotes competitive and your commission levels high.


ROP - Ask us how return of premium sales ideas that can double your term sales.

Guaranteed UL to 110+ - Strong carriers with strong guarantees. Life insurance is all about guarantees and when your clients needs lifetime pricing we can provide it.

Guaranteed Issue (Almost) - Up to $150,000 of almost guaranteed issue (age dependent). Answer a few questions an you are have issue.

Equity Indexed UL - Equity indexed is a proven concept and one that can ramp up your sales. In the right situation, nothing works better than an Equity Indexed UL. We offer the best in the industry. - Check out our Equity Indexed Sales aids that can be added to your web site or private labeled for your presentations.

Older Ages - American society is getting older and older. We have carriers that can issue into the 80's and even to age 90.

Impaired Risk - In house underwriters are waiting to place your case at dozens of markets. Impaired risk services for Life, LTC, DI and .


Deferred Annuities - Full range of fixed and indexed annuities. Top commissions.

Immediate Annuities - Competitive quotes on SPIA from top carriers. Ask us about the Immediate Annuity with cash out option!

Single Premium Life - A special product for special situations. Try this product as an annuity substitute. Better commissions and better tax advantages for the client.


UL Fixed - We have offer a full portfolio of competitive traditional UL. Our carriers were carefully selected to offer a full range of commissions, product quality and innovative policy features.


Whole Life - Whole life is a live an well, with billions of premium sold every year. If you need a whole life option, we have it.


Mortgage Term - The mortgage market has a steady supply of prospects. Innovative new products offer simplified underwriting and special features to tailored to this the needs of borrowers.


Tax Deductible Life Insurance - GEAR - Group Entry Age Reserve is a unique group term with an entry age conversion option. The only one of its kind in the industry, the GEAR concept delivers true tax deductible life insurance with permanent features and guarantees.

Tax Deductible Life Insurance - 412(i) - ERISA allows a pension, even a one man pension, to be funded exclusively with life and annuity products. The provisions allow for a simplified plan because the insurance carrier fully guarantees all benefits. Besides an immediate massive tax deductions, 412(i) also offers an opportunity for sophisticated distribution planning.