Our Services

We help reduce total debt and reorganize it so you can pay it off faster. We currently offer three various debt consolidation options for our clients.

• Debt Validation auditing process that simply holds the debtor or collection agency accountable for lending, credit, and collection law.
• Debt Assumption is a proprietary program that assumes YOUR Debt by becoming a co-debtor. They take on co-responsibility for the debt with a client.
• Debt Settlement is a negotiated agreement by which a creditor accepts less than a the total amount owed to legally satisfy a debt. This is a more aggressive management yet extremely useful tactic.

For most families in America, a mortgage is the most valuable asset they posses as well as their largest source of personal debt. Mortgage protection plans safeguard against losing a home due to loss of income.

• Level payments and benefit. Whether in year one or year thirty, this plan can pay out the total value of a mortgage.
• Return of premium. Pays back the total sum of premiums paid at the end of the term should the family not need to file a claim during the coverage period.
• Waiver of premium. Clients may be eligible to waive premium payments for a predetermined period of time under certain circumstances such as becoming disabled or losing employment.

Reduce out of pocket medical expenses with a Health Matching Account. Your monthly contribution to this plan will be matched over a three year period and can be used to cover a wide variety of health services.

• Matching. As the program progresses, owners will receive up to $2 in medical benefits or more for every $1 contributed into their HMA.
• Lower your health insurance premiums. Families are able to save up 40% or more on their monthly premiums over time by increasing their primary health plan deductibles.
• PHMA. is a medical savings account designed exclusively to pay for veterinary expenses for all of the pets in your household. Unlike pet health insurance, which will require you to pay numerous, out-of-pocket costs such as deductibles, copays and coinsurance before you receive any benefits at all, the Pet Health Matching Account is the only pet health plan available that will have you and your pet covered immediately!

Original Medicare covers much, but not all of the costs associated with health care services and supplies. Medicare supplement Insurance, or Medigap coverage, is designed to help cover the "gaps" in Original Medicare.

• Who is eligible for medigap coverage? You become eligible for medigap coverage during their 6-month Medigap Open Enrollment Period. This period begins automatically the month you turn 65 and enrolled in Medicare Part B. During this time, you will generally have better prices and more options.
• What does it cover? Medigap plans can cover many health services but are most often used to cover costs like copayments, coinsurance, and deductibles.

Is a final expense, whole life policy right for you? Read below to discover the benefits this policy will provide for your family.

• Level premium payments and benefit. Your payments never increase and your death benefit never decreases.
• Flexible underwriting. These policies are designed specifically for clients who are older and/or may have health complications.  Some of our carriers do not ask any health questions at all!
• Cash accumulation. Final expense whole life policies build cash values over time that a client can choose to borrow against or even use to pay premiums in a pinch.
• This policy will never expire as long as the premiums are paid.