Call us to set a time to meet to discuss the possibilities of buying Life insurance protection for your family or your business partners. We can also send you quotes, via e-mail, if you cannot meet with us in person. 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.  

We offer several different life insurance policy options: term insurance, whole life insurance, and variable universal 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.

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 defined 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. 
 
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 not 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.

Since V.U.L. is another type of permanent life insurance, you may 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 contracts 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.

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 South Goyer Road, Kokomo, IN 46904 
(765) 453-9600      
cfd Investments and Creative Financial Designs are not affiliated with Hourglass Insurance Services