Ideal for those seeking stability and guaranteed protection. These policies prioritize the death benefit while offering the potential to build cash value over time.

Benefits:

• Guaranteed death benefit
• Guaranteed cash value
• Potential additional accumulation through dividends (not guaranteed)
• Level premiums that do not increase over time

Designed for those who want flexibility with minimum guarantees. Combines protection with the opportunity to build cash value at a fixed interest rate, with options for additional credits.

Benefits:

• Flexible death benefit

• Adjustable premiums based on your ability to pay

• Cash value accumulation with a guaranteed minimum interest rate

• Option to increase the benefit, subject to approval

Recommended for those seeking protection along with long-term growth. Cash value accumulates based on market index performance, with protection against potential losses.

Benefits:

• Flexible death benefit
• Flexible premiums
• Cash value linked to market indices, such as the S&P 500
• Minimum guarantees to prevent losses in a market downturn
• Potential growth without compromising security

What Qualifies?

When a physician certifies that the insured has a terminal illness with a life expectancy of 24 months or less based on their diagnosis.

Available Options:

• Receive the full benefit in advance (subject to a discount) and use it as you wish.

• Receive only a portion of the benefit, leaving the rest for your beneficiaries.

• Keep the full death benefit intact for your loved ones.

What Conditions Qualify?

Some of the critical illnesses covered include:

• Amyotrophic Lateral Sclerosis (ALS)

• Cancer

• Heart Attack

• Stroke

• End-Stage Renal Failure

• Major Organ Transplant

• Cystic Fibrosis

• Aplastic Anemia

• Blindness

• Aortic Surgery with Graft

• Heart Valve Replacement

• Motor Neuron Disease

• Sudden Cardiac Arrest

Available Options:

• Receive the full benefit in advance (subject to a discount).

• Request a partial payment and preserve the remainder for the beneficiary.

• Keep the full policy intact.

What Qualifies?

When a healthcare professional certifies that, over the past 12 months, the beneficiary has been unable to perform at least two of six daily living activities for a consecutive 90-day period without assistance.
This also applies in cases of documented cognitive impairment.

Advantages of This Benefit:

• No licensed medical facility required to receive payments.
• Benefit can be claimed every 12 months.
• Funds can be used for any purpose (except in certain states), not just medical expenses.

After the waiting period, and if eligibility criteria are met, you may choose one of the following:

• Advance part of the death benefit annually for payments.
• Keep the policy intact for your beneficiary.

• Family Expenses
• Adult Day Care
• Home Modifications
• Regular Bills
• Assisted Living Care
• Expenses Related to Quality of Life

This plan allows a company to provide personally-owned life insurance as an additional, tax-deductible benefit to selected key employees..

Key Advantages:

• The employer selects participants and defines the bonus amount
• Bonuses are tax-deductible as compensation
• No IRS approval is required and implementation is simple
• Premiums are reported as “other compensation” on the W-2 form and are subject to FICA and FUTA taxes
• The employee owns the policy and can access its benefits: riders, cash value, and death benefit
• The only cost to the employee is the tax on the bonus-paid premiums; an additional bonus can be added to cover this tax (double bonus)
• Policy cash value grows tax-deferred and can be accessed via withdrawals or loans
• The death benefit is paid to beneficiaries free from income tax

Medicare is a U.S. government health program designed for people over 65, certain individuals with disabilities, and those with specific medical conditions.

Its main goal is to help cover medical expenses such as doctor visits, hospital stays, and prescription drugs, offering different types of coverage based on individual needs.

Medicare is not private insurance; it’s a public program that provides access to essential healthcare services and protects the health of those who qualify.

• Information and education on Medicare and Medicaid
• Assistance with eligibility, enrollment, benefits, complaints, rights, and appeals related to Original Medicare
• Guidance on Medicare Supplement (Medigap) plans, including benefits training and plan comparisons
• Guidance on Medicare Advantage (Part C), including plan comparisons, enrollment, and disenrollment support
• Guidance on Medicare Prescription Drug Coverage (Part D), including plan comparisons and assistance finding other prescription drug support programs
• Information on long-term care insurance

The program is available to anyone who:

• Lives in Texas
• Has income no higher than 21% of the federal poverty level
• Has assets under $2,000
• Does not qualify for Medicaid

Primary and Specialized Medical Care
A county-level medical care program assists low-income Texans who cannot access other state or federal healthcare programs. Benefits are limited to participating providers and include primary, preventive, and certain specialized services such as:

• VaccinationsMedical screenings

• Annual physical exams

• Inpatient and outpatient hospital visits

• Laboratory and radiology services

• Skilled nursing services in long-term care facilities

• Family Expenses
• Adult Day Care
• Home Modifications
• Regular Bills
• Assisted Living Care
• Expenses Related to Quality of Life