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Index Unviversal Life Insurance with Living Benefits
Indexed Universal Life Insurance (IUL) is a unique type of life insurance that combines lifelong protection with the ability to grow cash value over time. It offers tax-free death benefits to your loved ones and also gives you access to funds while you're still alive through powerful living benefits.
Term Life with Living Benefits
Life is full of uncertainties, and while we cherish every moment with our loved ones, it's essential to plan for the unexpected. Term Life Insurance with Living Benefits offers financial security not just for your family after you're gone, but also for you while you're still here.
College Savings Fund
Whether you’ve already started a 529 plan or you’re still figuring out the best way to save for your child’s college, I want to commend you—just thinking about their future puts you ahead of the curve. But what if there were a way to not only save for college, but also give your child lifelong financial protection and flexibility? Would you be open to exploring that possibility?
Whole Life
Whole life insurance is a permanent life insurance policy that provides coverage for the entirety of your life, as long as premiums are paid. Unlike term life insurance, which covers a specific period, whole life insurance guarantees a death benefit payout and builds cash value over time.
Final Expense
Final expense insurance, also known as burial insurance or funeral insurance, is a type of whole life insurance designed to cover end-of-life expenses such as funeral costs, medical bills, and outstanding debts. This insurance provides financial relief to loved ones, ensuring they are not burdened with these costs during a difficult time.
Return of Premium
You pay car insurance every month, for years. You pay home insurance, too. And if nothing ever goes wrong… what do you get back? Nothing. How would it feel if that money came back to you? Not just a refund but returned with growth. Tax-free. Safe. Accessible. What if I told you there's a way to protect your family and build wealth at the same time? Think about it: Would you rather keep spending money on things you’ll never get back… Or start using a tool that turns your protection plan into a legacy?
Legacy Planning
Legacy planning is the process of preparing how your assets, values, and life lessons will be passed on to future generations. It goes beyond just writing a will—it includes financial strategies, charitable giving, and preserving family traditions, ensuring your impact lives on even after you're gone.
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The New Dream provides clear financial education to empower families with informed decisions on insurance, savings, and wealth planning.
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