Our Services

Achieving financial freedom isn’t just about eliminating debt; it's about building wealth and creating long-term security. Our Debt-Free, Cash Value & Benefits Plans are designed to help you accumulate wealth while protecting your financial future. By focusing on creating cash value within life insurance plans, you can ensure your family’s security while building a solid financial foundation.

Key Benefits:

• Cash Value Accumulation: Build wealth that grows tax-deferred over time.
   
• Debt Reduction: Use cash value to pay off high-interest debt, including credit cards or loans.
   
• Protection for Loved Ones: Financial security for your family through life insurance coverage.

We offer a variety of life insurance options to meet your needs and financial goals. Whether you want affordable term coverage for a specific period, or a more permanent solution like whole life or universal life insurance, we have the right plan for you. These plans not only provide death benefits but also build cash value that can be used to cover emergencies, pay off debts, or supplement retirement income.

Key Benefits:

• Term Life Insurance: Affordable coverage for a set period with flexible options.
   
• Whole Life Insurance: Lifetime coverage with a guaranteed death benefit and cash value growth.
   
• Universal Life Insurance: Flexible premiums and death benefits with cash value accumulation.
   
• Life-Promising Benefits: Additional features for accelerated death benefits, chronic illness protection, and more.

The Sammons Financial Protection Plan offers 100% premium return guarantees, ensuring that if you outlive your policy term, your premium payments are refunded. This plan provides the benefits of life insurance coverage while minimizing the risk, allowing you to achieve debt-free living with a secure financial safety net.

Key Benefits:

• Premium Return Guarantee: Get 100% of your premiums back if you outlive the policy term.
   
• Lifetime Protection: Guaranteed life insurance protection for your family.
   
• Flexible Coverage Options: Tailored to meet your needs with the flexibility to adjust over time.

 Our Sammons Financial Indexed Universal Life (IUL) insurance combines life insurance protection with the potential for cash value growth linked to a market index. This plan allows you to accumulate wealth while providing flexibility in premiums and death benefits, helping you plan for retirement or other financial goals in a tax-advantaged way.

Key Benefits:

• Cash Value Growth: Benefit from market growth without the risk of direct stock market investments.
   
• Flexible Premiums: Pay premiums as your financial situation changes.
   
• Tax-Advantaged Growth: The cash value grows tax-deferred and can be accessed tax-free under certain conditions.

 We provide annuity solutions that allow you to roll over your 401(k) or other retirement accounts into annuities with guaranteed interest rates of up to 12%. This ensures that your retirement savings grow tax-deferred, providing you with a steady stream of income and financial peace of mind as you approach retirement.

Key Benefits:

• Tax-Free Growth: Your retirement funds grow without being taxed until you withdraw them.
   
• Guaranteed Interest: Earn up to 12% interest on your annuities.
   
• Stable Income: Create a predictable and stable income stream for retirement.
   

With the rising costs of education, it’s important to plan ahead. Sammons-Midland Indexed Universal Life (IUL) policies offer tax-free college fund planning, helping you save for your child’s education while growing the cash value in your life insurance policy. This allows you to use the funds later for college expenses without worrying about tax liabilities.

Key Benefits:

• Tax-Free Withdrawals: Use the accumulated cash value to pay for tuition or other educational expenses.
   
• Flexible Use of Funds: Funds are accessible for college or any other financial needs.
   
• Build Wealth While Protecting Your Family: The life insurance policy provides coverage, while also helping you save for the future.

 Whether you’re looking to retire comfortably or ensure your estate is passed on to loved ones, our retirement and estate planning services are here to guide you. We offer a holistic approach to planning your financial future, helping you create a steady income stream, reduce taxes, and preserve wealth for generations to come.

Key Benefits:

• Retirement Planning: Create a tax-efficient strategy for income during retirement.
   
• Estate Planning: Protect your assets and ensure they are passed on according to your wishes.
   
• Tax-Efficient Growth: Minimize the tax impact on your retirement savings and estate.
   
• Wealth Transfer Solutions: Preserve your wealth and avoid unnecessary taxes for your heirs.