Services Provided In Hawaii

Medicare

Medicare is our federal government insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare too, including those with disabilities and those who have permanent kidney failure. There are many Medicare Advantage plans available in Maui Hawaii so let me help you find the perfect one.

Term Life

Hawaii term life insurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time and terms ranging from 10 years, 20 years, and 30 years. It generally is designed to meet temporary needs and pays a benefit only if you die during the term. If you are looking for insurance that is a little more affordable but yet provides great coverage, term life insurance is the way to go.

Final Expense

Final expense is a smaller permanent life insurance policy typically intended to help older adults cover funeral costs and other end-of-life expenses. Since coverage amounts are lower than other types of life insurance, like term or permanent insurance, the premiums for a final expense policy tend to be affordable. If you would like to lessen the burden of your loved ones, I can place you in a good Hawaii Final Expense Life Insurance policy today!

Whole Life (Permanent Life)

A traditional whole life policy is a type of life insurance contract that provides for insurance coverage of the contract holder for their entire life. A traditional whole life insurance policy provides the policyholder with a guaranteed amount to pass on to their beneficiaries, regardless of how long they live, provided the contract is maintained.

IBC (Infinite Banking Concept aka Cash Value Life)

Infinite banking refers to a process by which an individual becomes his or her own banker. It generally is whole life insurance policies that distribute dividends and how owning such policies allows individuals to dictate the cash flow in their lives by borrowing against/from themselves instead of depending on banks or lenders for loans. If you are looking for an alternative way to save for your nest egg or simply to grow your wealth and enjoy the tax benefits, IBC will be a great choice.

Annuities

An annuity is a long-term investment that is issued by an insurance company and is designed to help protect you from the risk of outliving your income. Through annuitization, your purchase payments (what you contribute) are converted into periodic payments that can last for life