Life insurance, annuity is an extremely important risk management tool, especially for young families. In our view, life insurance and annuity can offer tremendous protection for your loved ones at a relatively low cost.   
At Capital360Financial. LLC we can teach you about the various types of insurance available in the marketplace. We also offer competitive life insurance.  For example, we can help you understand the pros and cons of using term life insurance versus whole life insurance. We also offer competitive low-cost RIA approved annuity products that get you the market return also can guarantee income in your lifetime. Provide wonderful downside protection for your income. We can help you figure out what portion of your assets should go toward to annuity. There are many other complicated insurance instruments available in the market, most of which we tend to shy away from.
 
We view insurance as a risk management tool, not an investment. For this reason, term life insurance is usually the most suitable option for families looking for protection from the unexpected. 
 RIA approved fee only annuity usually is best for income downside protection it also provides much lower cost compared to regular broker and dealer annuity along with zero surrender charges
We provide preliminary quotes so you can compare the costs of an individual insurance policy relative to the cost of group life insurance available through your employer. Importantly, there is no cost or obligation when we compile these quotes for potential coverage. 
 
Here are the steps:
 
  1. Data Gathering Session: We collect some basic information such as your annual income and outstanding debt. We also want to understand other funding goals, such as a child's future education expenses. 
  2. We'll Gather Quotes: A major benefit of being independent is that we can work with many different insurance carriers. Since we don't have any allegiances to a specific insurance company, we'll gather unbiased quotes for your review and consideration. We'll also discuss the different features of each insurance company, and the policy offered.
     
  3. Application Process: If you like the protection being offered, we can move forward with an application. Depending on the insurance amount, we might need to schedule a physical exam for blood and urine samples, along with a health questionnaire.  
We value your time- it's your most precious resource. By allowing us to compile competitive quotes from multiple insurance companies, we think you'll save both time and money when searching for life insurance.
We will walk with you along the whole process
Since we are fiduciary, we will act in the best interests of you with highest ethical professional standards
 
If you'd like to learn more about how we can simplify and organize your financial life, please give us a call today!