Today’s families face major financial challenges. They’re being forced to downsize their goals and dreams — to settle for less.  A sound financial plan begins with establishing proper protection for you and your family in case of any unexpected changes that could impact the household. 

 

Most people do not like the thought of having to purchase life insurance of any kind. Most people buy term life even though over 93+% of the time the death benefit doesn’t pay. We prefer to help clients understand the benefits of permanent insurance and how you can use such polices both while LIVING and at DEATH.

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Benefits:

• Protection against unexpected loss of income

• Protection with LIVING BENEFITS

• Tax-free accumulation of wealth

• Cash growth is tied to the S&P 500 stock index

• There is NO downside risk

       (your money is protected from market downturns)

• Tax free use of the built-up equity as a supplemental

         retirement vehicle

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Did you know Life Insurance can be a big part of your investment portfolio?

 

“Banks, when it comes to investing their own money—don’t follow conventional wisdom and put their cash into mutual funds, stocks, hedge funds, term life insurance or risky real estate deals. Instead, they place a large portion of their vital reserves, known as Tier One Capital, into high cash value life insurance or permanent insurance…."

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“Banks invest billions into high cash value life insurance. Surprisingly, for many banks, life insurance is their largest asset class."

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Whether you are looking to start saving for the near future or long term, maybe trying to find ways to protect your family or assets. At CFIS, we educate and help you implement a strategy based on your needs utilizing the current innovations that exist in our industry.