Life Insurance

Term Insurance

We check through our sources with hundreds of insurance companies to make sure you are getting a reasonable rate with a quality company. We prefer speaking with you and doing a quick evaluation to make sure you are not buying too much or too little insurance and to help you determine the length of the term policy for your needs.

We back up the sale with customer service. You will always have a person to talk with when you have a question or a concern.

860-464-0121 800-696-2998

Whole Life Insurance

Are you looking for a policy that will build cash value and have a more permanent nature than Term Insurance? This is the policy your grandparents purchased. No term, no investments, guaranteed interest rates, and yet the dividends can be increased by the company on your behalf. If you like "safe and secure" this may be the policy for you.

Permanent Life insurance also allows you to take loans against the cash value of your policy, but if you don't pay them back with interest, your beneficiaries will receive a reduced death benefit.

Call us to set an appointment to discuss the possibilities of buying Whole (permanent) Life Insurance.

860-464-0121 800-696-2998

Variable Universal Life Insurance

This option offers greater flexibility than whole or term life. After your initial payment, you can reduce or increase the amount of your death benefit (although to increase the amount you may be required to give the insurance company medical proof that you are still in good health). Also, after your initial payment, you have flexibility as to when you pay premiums, in almost any amount within the policy's required minimum and maximums. If the policies credited interest rate does no perform well enough to maintain the cash value of the policy you may be required to make additional premium payments. If those payments are not made the policy could lapse with significant tax consequences. You will need to actively manage these policies to maintain sufficient funding, especially because the insurance company can increase charges (like mortality and expenses). Plus, your insurance company invests part of your premium.

Call today for an appointment. 860-464-0121 800-696-2998

Permanent Life insurance also allows you to take loans against the cash value of your policy, but if you don't pay them back with interest, your beneficiaries will receive a reduced death benefit. Loans will reduce the contract's cash value and death benefit. Interest will be charged on the amount borrowed and in the case of Variable Life borrowed funds do not participate in the investment performance of the sub accounts.

Call us to set a time to meet to discuss the possibilities of buying Life insurance protection for your family or your business.

860-464-0121      800-696-2998

Advisory Services are provided through Creative Financial Designs, Inc., a registered Investment Adviser,  and Securities are offered through cfd Investments, Inc., a registered Broker/Dealer, Member FINRA & SIPC, 2407 S. Goyer Road, Kokomo, IN 46902 (765) 453-9600            cfd Investments and Creative Financial Designs are not affiliated with Hourglass Insurance Services

Please note that not all products and services are offered in all states.

Mission Statement: To seek and find the best options available to fill our client's needs in the areas of health insurance, life insurance, annuities and long-term care insurance. Also to provide conscientious, thorough and realistic strategies to help clients achieve their goals, being especially aware of the frequent need for self directed retirement planning.

Philosophy: We are seeking to develop a long-term relationship with our clients. One based on honesty, trust and service. We only recommend to clients what we would do for ourselves if we were in the same circumstance.