Indexed Universal Life Insurance
This policy allows you to adjust your premium payments and death benefit to fit your changing financial needs while tying the cash value growth to an index, such as the S&P 500, which can provide greater potential returns than traditional whole life insurance. It also includes a guaranteed minimum interest rate, ensuring your cash value will grow during market fluctuations.
Term Insurance
Term Insurance is an affordable life insurance solution that provides coverage for a specified period, usually 10, 20, or 30 years. With CentraLife, our term insurance policies can also include options for return of premium or conversion to permanent policies, providing you with additional flexibility and peace of mind.
Whole Life Insurance
Whole Life Insurance provides lifelong coverage and guarantees a death benefit to your beneficiaries, as long as premiums are paid. This policy features a cash value component that accumulates over time and can be borrowed against or withdrawn for various financial needs. It is an excellent choice for those seeking long-term financial security.
Final Expense
Final Expense insurance is designed to cover end-of-life expenses, such as funeral costs, medical bills, and any outstanding debts. This policy helps alleviate the financial burden on your loved ones during an already challenging time. Final Expense insurance ensures that your family can focus on grieving and healing rather than worrying about finances.
Annuities
Annuities are a financial product designed to provide a steady stream of income during your retirement years. By investing in an annuity, you can ensure that you have a reliable source of income to help you maintain your lifestyle and achieve your retirement goals. We provide various annuity options, including fixed, indexed, and immediate annuities.
401k(s) & IRA’s
We understand the importance of saving for retirement. We offer assistance and guidance on 401k(s) and IRA’s, helping you create a comprehensive retirement plan that works for you. Our experienced advisors can help you understand your options, manage your investments, and make informed decisions to maximize your retirement savings.