Insurance Planning

Identifying risks in your life is extremely important. There are many risks out there that can wreak havoc on your financial plans. It is our job to identify those risks and present your with solutions on mitigating them.

Most people do not like the thought of having to purchase life insurance of any kind.  We prefer to help clients understand the benefits of permanent insurance and how you can use such policies both whole living and at death.

Our preferred life insurance policy is Retirement Life™. It's revolutionary because you do not have to die to obtain the benefits of using it. The policy has the following benefits:
    - Tax-free accumulation of wealth
    - Cash growth is pegged to the S&P 500 stock index
    - There is NO downside risk (your money never goes backwards due to market downturns)
    - Tax-free use of the built-up equity as a supplemental retirement vehicle
    - A FREE long-term care benefit
    - A FREE critical-illness benefit
    - A FREE terminal-illness benefit

Do the above benefits sound like a life insurance policy you've ever heard about before? if not, and if you would like to learn more about Retirement Life™, please contact us.

From term insurance to permanent insurance, The Heritage Group is here to protect you.