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Life Insurance

What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

Fee-for-Service
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.


Managed Care
More than half of all Americans have some kind of managed-care plan1. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.



Benefits of Life insurance 
Tax advantages and flexibilities to help you meet your changing needs 
Financial protection for your loved ones or your business
Income replacement
Supplemental retirement income
Account value growth that can be used as a financial resource
Tax-deferred asset accumulation
Efficient wealth transfer solutions
A funding vehicle for business owners

Life insurance is an important component of your financial strategy!
Term Life - For temporary coverage
Life insurance for a fixed period of time: one, five, 10 years or longer 
Most economical form of life insurance 
Guaranteed death benefit within the specified term
No return of investment at the end of your term

Universal Life - For flexible coverage
Benefits of traditional life insurance
Potential to grow cash value over time at a set rate
Flexibility to set the amount of your monthly premium
Flexibility to set the amount of your death benefit while the policy is in force (subject to underwriting approval)
Earnings are not taxed until paid out (tax-deferred)


Variable Universal Life - For flexible coverage with growth potential
Benefits of universal life insurance
Potential to grow the cash value over time based on market performance of an underlying portfolio.
Ability to choose where your premiums are invested
Earnings are not taxed until paid out (tax-deferred)



Funding Life Long-Term Care - For long-term care coverage

Universal Life as an alternative to long-term care insurance
Benefits of universal life and long-term care insurance, combined
Provides coverage for long-term care expenses if you need it, provides a death benefit or a return of your initial premium if you don't

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Words to Keep You Motivated

"You must have long term goals to keep you from being frustrated by short term failures.:  -- Charles C. Noble

"The foolish man seeks happiness in the distance, the wise grows it under his feet" -- James Oppenheim

"The real secret of success is enthusiasm" -- Walter Chrysler


"The ability to simplify means to eliminate the unnecessary so that the necessary may speak" -- Hans Hofmann

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​901-842-1311
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Memphis, TN 38119

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