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Indexed universal life (IUL) is a policy that allows for cash value growth based upon the performance of market indexes. These often include an interest rate guarantee, allowing you to still earn regardless of market performance. Money from an IUL policy can also be accessed tax-free in order to supplement retirement income or for any other purpose. 

Universal life is common type of permanent insurance. In contrast to the consistent premiums of whole life, universal life policies provide a flexible premium. This means that the policy owner has the flexibility to adjust the amount of premium being paid into the policy over time. In fact, the policy owner may even skip paying a premium and the policy will not lapse as long as there is sufficient cash value at the time to cover the monthly deductions for the cost of insurance.

Term life is a type of insurance that only provides coverage for a specific period of time. Term policies usually provide the greatest amount of coverage for the lowest premium as compared to any other form of protection. There is often a maximum age above which coverage will not be offered or at which coverage cannot be renewed.

Mortgage protection is a type of life insurance policy that pays a lump sum to your beneficiary, allowing them to pay the mortgage off in full or continue to make the monthly mortgage payment over time. This type of coverage can include a disability option if elected. Please contact us for additional details.

Annuities are contracts that provide income either for a specified period of years or for life. Fixed indexed annuities (FIA) is a safe money solution offering upside potential and downside protection. In other words, you will earn competitive interest rates that not subject to market losses. Annuities are a safe and secure vehicle for the accumulation of money and the liquidation of an estate.

401(k)s are a retirement savings plan offered by many American employers. Despite their prevalence, many people find these plans difficult to understand. That's why AFG is here to help make it simple. We specialize in programs to protect your retirement nest egg, and in most cases eliminate the fees you are paying on your 401(k). Our programs lock-in gains without risks — what you earn is what you keep!

Final expense policies help relieve your loved ones from the financial strains associated with death. It can be purchased in smaller amounts to help cover funeral expenses, cremations, small legal fees and some minor outstanding bills.

Income replacement policies are designed to replace the income of one or more family members or business partners in the event of a death.

Critical illness policies are designed to pay a lump sum benefit to an individual upon first confirmed diagnosis of a specified illness. The money received from these types of policies are yours to spend however you see fit (i.e. medical bills, mortgage payments, monthly bills, etc.) Some restrictions may apply — contact us for more details.

Disability insurance is a policy that pays a monthly benefit to an individual who cannot work because of an injury or illness. Our carrier partners cover "own occupation" disability for the first two years. This covers individuals who become disabled and are unable to perform the majority of the occupational duties that they have been trained to perform. This type of policy is contingent on the individual being employed over 30 hours a week at the time the disability occurs. Coverage is delivered both on and off the job. Exclusions, pay outs, and waiting periods may vary.