We are proud to present the ValueGuard Series, our signature product line.  These products provide solutions to everyday situations where traditional carriers have yet to offer an option.


LifeStyle ValueGuard – An innovative Protection Plan designed to provide additional cash to maintain your Lifestyle, Business and Wealth in the case of a disability.  After a disability moment, the 1st and 2nd years are the most difficult financially – this is solved by LifeStyle ValueGuard. LVG provides additional cash in addition to other income protection benefits. The additional cash can be used to pay-off mortgages, Student Loans, and other debts.  Cash would be available to provide college tuition, modifications to home or automobile, and other medical care expenses including potential Long Term Care Costs.  LVG also has significant business applications. The additional cash can be used to provide Business Overhead Expenses, Key Person, Buy-Sell solutions, Retirement funds or a combination of the above.  Incredible flexibility allows the Business to utilize the cash in the most effective manner.  Guarantee Issue solutions are available.


Family ValueGuard – Divorce –   Most attorneys advise clients to obtain life insurance in order to protect income from support payments.  But what happens if the payor becomes disabled and cannot work?  Income protection for support payments is now available with Family ValueGuard.  This policy protects all parties involved: for the recipient, it eliminates the concern the ex-spouse would be unable to meet the obligation if he/she became disabled.  For the payor, it means he/she will not have to go back to court to recalculate monthly payments, be forced to liquidate personal or business assets to cover support payments. A Residual rider and retroactive benefits are available.


Family ValueGuard – Education – Family ValueGuard benefits supplement existing income protection coverage to provide the extra money needed to keep children in daycare, pay private school or college tuition, or the additional costs associated with a special needs child.  Benefits are available up to 500k.


Business ValueGuard – Traditional carriers do an excellent job of replacing income, and providing business overhead expenses. However, there has not been a solution to insure the value of a sole proprietor’s business.  Business ValueGuard was developed to solve this problem for the sole business owner.  After 1 year of total disability, we can provide a lump sum benefit up to $5 million dollars, with the amount of coverage based on a formula up to 3X earnings.  No other product can protect an individual business owner’s value.


Medical ValueGuard – Provides Income protection to pay off student loans in case of a disability.  After a waiting period of 90 days, a monthly benefit is payable to the insured to the 365th day.  After 1 year, the policy will pay off all the financial institutions.