Tuition Rewards provide guaranteed discounts at over 430 private colleges, allowing clients to earn points that can equal discounts of up to 25% on tuition for children, grandchildren, or nieces and nephews. Clients can add multiple beneficiaries and earn unlimited Tuition Rewards points, making it a flexible and valuable financial planning tool.

Mortgage protection insurance covers mortgage payments in the event of premature death, which is essential for anyone whose dependents rely on them for housing. However, many find that term life insurance offers broader coverage at a more affordable price, sometimes including limited support for mortgage payments if the insured becomes disabled.

Annuities are financial products designed to provide a steady stream of income for retirees, helping to grow or protect their retirement savings. By ensuring guaranteed income, annuities serve as a valuable tool for individuals planning their long-term financial future and securing their financial independence.

Legacy Banking offers a comprehensive financial coaching program that helps clients eliminate mortgages and other debts in nine years or less, transforming debt into wealth. This program empowers clients with financial strategies and insights to improve their overall financial health and stability.

Term life insurance is an affordable option that offers coverage for a specific period, paying benefits only if the insured dies during the term. This type of insurance is ideal for those with temporary coverage needs, such as until children graduate from college or specific debts like mortgages are paid off.

Universal life insurance combines flexibility with the ability to adjust premiums and allocate funds between insurance and savings components. This product allows policyholders to grow cash value at a variable rate, which can be adapted to their changing financial situations over time.

Whole life insurance features a level premium that combines both an insurance and investment component, paying a death benefit while accumulating cash value over time. This type of cash-value life insurance is a fundamental way for policyholders to build wealth, with regular premiums contributing to long-term equity growth.