Products and Services

We have licensed professionals in MO, KS, IA, NE, AR, TX, NC, SC, GA, AK, FL to support you.

Financial Planning

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There’s no such thing as “One-Size-Fits-All”. You should have a financial plan which suits your goals and dreams within your resources and provides flexibility and protection for the storms of life.

Debt Free Destination Plan™

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We have programs that can help most people get out of debt, including consumer debt, student loans in about 3-4 years and mortgages in 9 years or less without significant changes to their current spending

Life Insurance

Term & Whole Life

There’s much more to life insurance than dying. We offer all types of Life Insurance plans with flexible coverage and prices that fit your family’s needs, budget, and legacy. Easily apply with no obligation. Life insurance needs change over time. We help you gain peace of mind that you have the right amount and right type of Life Insurance coverage.

Estate Planning Strategies

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The State has a Will for you. Do you want the State and Attorneys making decisions for you or do you want to make them for yourself? You need a current Healthcare Power of Attorney and General Durable Power of Attorney to avoid probate as much as possible if not completely.  

Annuities

Variable, Fixed, and Fixed Indexed

An annuity is a contract between you and an insurance company. You make a premium payment (or payments) to the insurance company. The insurance company pays interest or returns to you based on the type of contract and you can choose to take lump sum or income payments at some point in the future.  Like all insurance and investment products there is no such thing as “one-size-fits-all” and you should be certain you understand the risks and benefits of any annuity you are considering for purchase.

IRA/401(k) Rollovers

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The term IRA or 401(k) is referencing the tax treatment of the respective account. These, and others, are known as “Tax-Qualified Plans”. This means the account holder receives a tax deduction when funds are placed or invested in the account. Funds held within a Tax Qualified Plan may be placed in different types of accounts such as CD’s, Money Market Accounts, Savings accounts, Stocks, Bonds, Mutual Funds, Exchange Traded Funds, Precious Metals, Annuities and even in Real Estate. Other types of Tax Qualified Plans are 403B, 457, 401A, SEP, SIMPLE, Solo 401(k), etc. 

Retirement Income Strategies

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Are you 100% certain that you’re going to have a great retirement, or do you have some doubts? You’ve had a great plan to save and now you need a strategy for distributions. Don’t outlive your money.

Tax Favored Income Strategies

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Create a stream of non-taxable income. Legally pay the lowest possible amount of income tax. 

Health Insurance

Pre-65

Individual Health Insurance Marketplace plans that best fit your budget and needs. 

Medicare Supplement

Medigap

We build a shield around our client’s resources and assets, with individually tailored plans. We have licensed professionals in 13 states to help those newly eligible for Medicare or those that need help with coverage they have already selected.

Medicare Advantage and Part D Plans

MAPD

Medical and prescription drug coverage options. 

Disability Insurance

Short and Long Term

Disability insurance provides income to people who are unable to work due to an accident or illness. Select a plan to protect you, your dependents, and your assets.

Dental Plans

Insurance and Dental Discount Plans

Quality dental plans with comprehensive coverage for individuals and families.

Vision Insurance

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Savings, quality care, and the nation’s largest independent doctor network.

Cancer Insurance

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Most health insurance plans will cover in-patient and out-patient treatment for cancer. However, those plans will not cover lost income from missing work, travel for treatment, lodging, or meals for loved ones and many oral cancer meds may not be covered at all.

Heart Attack/Stroke Insurance

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The costs associated with an unexpected heart attack, stroke or other heart-related surgery can be overwhelming. A Heart / Stroke policy provides a cash benefit to help cover out-of-pocket medical expenses and daily expenses, so you can worry less about financial issues and stay focused on your recovery.

If you have a family history of Heart Disease or Stroke you may want to review the holes in your health insurance coverage to determine if extra coverage is right for you. 

Long Term Care Insurance

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The best time to buy long term care insurance is well before you need it. Which of the 5 methods of funding Long-Term-Care costs is right for you?

Hospital Reimbursement Coverage

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Original Medicare and some other Medicare health plans have large costs associated with ambulance rides, hospital stays, and time spent in skilled nursing facilities. We have plans that fill in the gaps.

Legal Insurance Plans

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24-hour access to attorneys.

Identity Theft and Recovery Plans

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Identity Recovery Coverage combines identity theft insurance with services that help victims restore their credit history and identity records to pre-theft status. Such restoration can take hours of time and thousands of dollars. Our plans assign a dedicated case worker to your case who goes through the steps on your behalf to get your identity restored and covers reimbursement of related expenses up to $1,000,000. This applies to financial ID theft, Tax Id theft, and equally important Medical ID theft. It will also work if you have a re-occurrence of ID theft after your Identity is restored. 

Final Expense Insurance

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Average funeral costs exceed $5,000. Put a plan in place that honors you and provides comfort for your loved ones.

Business Succession Planning

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Is it possible for your business to become debt free? Can you self-fund expansion and asset purchases? Will you have the peace of mind knowing who will take over your business and how it will be funded when you decide to enjoy some free time? The answer can be yes with our Business Succession plans. 

Home Health Care

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Home Health Care Insurance can provide coverage for you, your spouse and loved ones to receive professional care in the comfort of your own home. 74% of people prefer home care over a facility (assisted living or nursing home). By having home care in a policy or a separate coverage, family can continue with their lifestyle, working, caring for their immediate family and their passions. Home Health Care plans can also be an option when you can’t quality for long term care insurance due to your age or declined health.