Personalized Financial Planning & Investment Solutions
Here at Life1st Financial, we combine unparalleled financial planning expertise and personalized customer service to provide you and your family with a peaceful and stress-free life. We deal with all types of life insurance and annuities, from term life insurance to variable life insurance and everything in between.
Our strategic solutions ensure that you have enough money in the bank to meet your expenses while also leaving a legacy for your loved ones.
Retirement Benefits Coordination
We perform a detailed analysis of your current financial situation and educate you on legal methods to generate a higher tax-free retirement income. Our financial representatives help you make the right investment decisions while ensuring that you don’t outlive your retirement income at any point.
Types of Insurance
- Term life insurance – This serves as a simple and affordable option for most families with coverage for a set time period, typically between 10 and 30 years.
- Permanent Insurance – Unlike term life insurance, whole life insurance lasts your entire lifetime and also comes with a cash value component that grows over time. The coverage of permanent insurance never expires and includes a death benefit with a savings component.
- Universal Life Insurance – This is a type of permanent insurance where the insured person is covered for the duration of their life as long as they fulfill any requirements of their policy to maintain coverage.
- Financial Expense Planning Insurance – This is a whole life insurance policy that comes with a small death benefit and is easier to get approved for.
Annuities
- Indexed Annuity – This is a type of annuity contract that pays an interest rate based on the performance of a specified market index.
- Indexed Universal Life (IUL) & Tax-Free Retirement Planning – Ensures greater upside potential, flexibility, and tax-free gains.