Learning Center

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Pension Max

You have worked hard over the years and now have to make choices about how to take your pension benefits. The Pension Maximization concept allows you to get the most out of your pension benefits without disinheriting those you love by using life insurance to provide for your spouse. (see video below)

I offer a free review and analysis of your benefits to see how you can MAXIMIZE your pension.

Pension Max also works for those still 5-10 years away from retirement; it enables you to be better prepared once at retirement time



College Funding

It will be here sooner than you think!! That 4-5 year old son or daughter will grow up fast and before you know it …… college and the expenses involved. We specialize in helping parents/grandparents structure policies to have funds available to help meet the cost of college. Using life insurance also provides guarantees that if you are not here to experience your child’s educational time, dollars are still provided for the expenses for college funding. The primary purpose of life insurance is to provide a death benefit to beneficiaries. Because of the uncertainty surrounding all funding options except savings, it is critical to make personal savings the cornerstone of your college funding program. However, even a well-conceived savings plan can be vulnerable. Should you die prematurely, your savings plan could come to an abrupt end.


IUL Policy

Life insurance policies have come a long way in the past 10-15 years; Indexed Universal Life is just one example. Learn how this policy can allow you greater growth opportunity, perhaps to help retirement supplemental income, without risking your funds in the stock market. Indexed Universal Life products are not an investment in the “market” or in the applicable index and are subject to all policy fees and charges normally associated with most universal life insurance.


Living Benefits of Life Insurance

That old saying, “you have to die to win” goes out the window on this one. Midland National offers life insurance policies that pay you benefits if illness arises. Subject to eligibility requirements. Availability may vary by state and product.


Risk Reduction

Life insurance provides a death benefit to beneficiaries when the unexpected happens, and it can also provide cash value for you in your later years.