OUR PRODUCTS
EQUITY INDEXED UNIVERSAL LIFE
Get the Coverage You Deserve
Indexed Universal Life insurance (“IUL”) is the fastest growing type of life insurance in the industry today. IUL is a form of permanent life insurance that provides a death benefit – a valuable resource for family members, business associates or other beneficiaries if a policy holder should die prematurely. The death benefit is generally paid income tax free to beneficiaries — a benefit only available on life insurance. This flexible form of life insurance allows our clients to choose the coverage amount based on the premium they prefer to pay and it also allows them to make changes to it as their needs change. IUL policies can build cash value over time to help provide funds for emergencies, education expenses, supplement retirement income or just to grow assets on a tax-deferred basis. The interest credits to the cash value are linked to the performance of stock market indexes, but are not a direct investment in equities, so the cash value is protected from market loss, providing more protection for the insured. Properly structured policies can provide tax-free retirement income …. and we can show you how!
MORTGAGE PROTECTION
Ready for Anything
Mortgage protection is a simplified, quick issue insurance that is used to protect our client’s greatest asset. Mortgage protection plans are designed to provide a death benefit to pay off all, or a portion of, a client’s mortgage. Optional riders are available in most states, such as disability income and return of premium, which refunds all, or part of, the premium paid if the policy is unused. This product, offered by many of our carriers, can be customized to fit each client’s needs and budget.
FINAL EXPENSE
The Protection You Need
The loss of a loved one in death is an emotionally difficult experience. Final expense plans are designed to remove, or offset, the financial stress that is associated with death. Our clients are able to use final expense plans to help their clients prepare for this difficult time. These plans are available in varying coverage amounts to fit a variety of budgets. Due to the diversity of our carriers, Equis agents are able to find coverage for their clients no matter what their current health status may be.
DISABILITY COVERAGE
Your Well Being comes First
Disability insurance can help you replace a portion of your income when you are sick or injured and unable to work. Many people use disability coverage to provide payments for their mortgage, vehicles, or other household expenses during that difficult time. Having this kind of coverage helps our clients to have peace of mind, knowing that in the event of a disability they will still have a monthly income. Individuals must qualify for disability coverage, which is dependent on a number of factors including current health and medical history, age, and occupation.
TERM LIFE INSURANCE
Taking Care of Your Needs
Everyone wants to ensure that their family is protected and provided for no matter what happens. At Equis Financial we have partnered with the top life insurance companies to provide our agents with a comprehensive portfolio of term life, whole life, and Indexed Universal Life insurance products. With these products, our agents are able to offer competitive rates at any level of coverage.
CRITICAL ILLNESS INSURANCE
Your Source for Protection
Critical illness insurance is medical insurance that provides a lump-sum benefit upon diagnosis of a covered critical illness or condition. This payout helps our clients avoid the financial burden that can be created by those illnesses. Our clients have found this benefit payout useful for getting the treatment they want, spending time with their family and friends, keeping their home, and filling in the financial gaps left by most medical insurances. Individuals must qualify for critical illness coverage which is dependent on a number of factors including, current health and medical history, age, and occupation.