Are you looking to regain your financial freedom today? Regaining your financial freedom starts with finding a flexible solution to pay back your creditors. Is your Federal Student Loan(s) about to go into default or already in collections? Get the help you need even if you’re loan(s) are not in default.

• Get a customized debt solution that fits your needs.

• A Federal Student Loan resolution, you will receive assistance and avoid wage garnishment (AWG), Tax Liens, Treasury Offsets and/or unnecessary Collection Fees.

• No up-front fees.

• Reduce repayment obligations from 40% – 60% of original balance(s).

• Become debt free in only 24 to 48 months.

• Reduces monthly payment.

• Track progress online.

Term Life Insurance provides coverage for a certain period of time or a specified “term” of years, usually 1-35 years. If the insured passes away during the time period specified while the policy is in force, a death benefit will be paid.

• For young growing families or individuals looking for more affordable coverage, Term Insurance would be a cost-effective option.

• Although there is no guarantee of renewal when the term ends; certain term polices may allow for an option to renew.

A Return of Premium (ROP) term insurance policy is a policy that returns a 100% of all contributed premiums if the insured out lives the term period.

• Premium returns can start as early the second year.

• If the policy holder passes away while the policy is in force, a death benefit will be paid out. If not, the premium investment will be paid out.

This is a simple and affordable life insurance providing the coverage you need with flexibility and long-term growth potential. It can help protect your loved ones from future financial burdens such as medical bills and funeral and burial costs.

• No medical exam or blood work is required.

• Up to $250,000 death benefit

Indexed Universal Life (IUL) is a permanent policy. With its flexibility of its premium and death benefit it has the potential of higher growth through indexed interest crediting. Polices offer a variety of well-known indexes such as the Nasdaq-100 or the S&P 500 and the policy owner has the ability to chose a percentage of the cash value to invest within a specified index.

• Provide an income tax-free death benefit for the people who depend on you.

• Defer taxes as your accumulated cash value grows.

• Potentially access that cash value using income tax-free policy loans and withdrawals, to use for retirement income or other needs.

• May be designed to include living benefits which may allow you to access all or part of your death benefit to help pay for costs associated with a terminal, chronic or critical illness.

With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. Fixed Indexed Annuities you can get a guaranteed rate of return for your retirement money, protect your nest egg and income from drops in the market, secure a death benefit for your loved ones and, of course, have protected lifetime income for you.

• Designed with guaranteed lifetime income so you can never outlive your earnings.

• Offer the ability to make some money, without the risk of losing it.

• Even with market volatility, investors will not lose value. So even in a negative market return, interest credited will never fall below zero.