Single Premium Life  Simplified issue single premium whole life is the most under used product in our industry today.  It offers an immediate increase in estate value day one, a tax-free death benefit that avoids probate, and much much more.... Annuities   Fixed annuities and the guaranteed lifetime withdrawal benefits are one of the safest ways to accumulate assets that are designated for income...now...or later. Final Expense No matter what your client’s financial situation is, they all have to consider the financial impact of their final expense.  There are many affordable and some guaranteed options to ensure their peace of mind. Products