Life Insurance
At Infinite Solutions Advisory, we ensure you have the guidance and information needed to make confident decisions for your family. By partnering with over 30 insurance carriers, we create fully customized plans that deliver the coverage you require. Whether you’re exploring life insurance options, mortgage protection, or final expense coverage, our Insurance Advisors are here to help you find the solution that meets your needs and fits your budget.
Term Life Insurance
When you want to ensure your loved ones are financially protected in the event of your untimely death, navigating the many types of life insurance policies can feel overwhelming.
Term life insurance offers an affordable solution to provide coverage for a specific period. Term life insurance protects you for a set number of years, typically 10 to 30. If you pass away while the policy is active, your beneficiaries receive the death benefit, providing financial security when it’s needed most.
Indexed Universal Life Insurance
Indexed Universal Life (IUL) insurance is a type of permanent life insurance designed to provide long-term protection while offering the potential for tax-deferred cash value growth tied to market performance—without exposing you to market losses.
An IUL policy provides a guaranteed death benefit for your loved ones and includes a cash value component that grows based on the performance of market indices, such as the S&P 500, subject to caps and floors. This allows you to benefit from market upswings while being shielded from downturns.
IUL policies offer flexiblility to provide strategic life insurance needs. You can adjust your premium payments and death benefit over time as your financial needs evolve. The accumulating cash value can be used to supplement retirement income, fund major purchases, or help cover unexpected expenses—all while enjoying tax advantages and maintaining lifelong protection.
Why do I need Term Life Insurance?
People choose term life insurance for two main reasons:
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To protect their loved ones—providing financial security if you pass away unexpectedly so your family can maintain their current lifestyle.
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For Living Benefits—offering income protection if you experience a disability or critical illness, while still ensuring a death benefit is paid to your beneficiary if you pass away during the policy term.
Term life insurance delivers a cash benefit that can help cover final expenses, funeral costs, remaining mortgage payments, education expenses, and ongoing living costs, giving your family the support they need during a difficult time.
Why do I need Indexed Universal Life Insurance?
Choosing Indexed Universal Life Insurance (IUL) is about more than protection—it’s about creating lasting financial security for yourself and the people who matter most. An IUL combines the reassurance of a permanent death benefit with the strategic advantage of tax-advantaged cash value growth linked to market index performance. This means you’re not only safeguarding your family from the financial burden of final expenses, debt obligations, or lost income—you’re also building a flexible financial asset that can support major life goals while you’re still here.
If you want a solution that adapts as your life evolves, protects your loved ones, and helps build long-term wealth with downside protection, an IUL may be the foundation your family’s financial future deserves.
How Does Term Life Insurance Work?
Term life insurance begins with an application for coverage. Once your policy is active, you maintain it by paying monthly, quarterly, or annual premiums. If you pass away during the policy term, the insurer pays the designated death benefit to your chosen beneficiaries.
How Does Indexed Universal Life Insurance Work?
You apply for coverage, pay an initial premium, and keep the policy active with ongoing payments. A key advantage of indexed universal life insurance is its flexibility. You can increase premiums to grow cash value or temporarily reduce them when needed, and because this is permanent life insurance, it will provide a death benefit to a beneficiary of your choosing upon your passing away.