Looking for reliable Life insurance & retirement solutions?
Look no further than Capital Pensions and Insurance Solutions (CPIS). Our experienced agents are ready to help you secure your financial future with exceptional service and expert advice.
Take Control of your Financial Future with our Insurance Solutions
Term Life Insurance
Term life insurance offers coverage for a set duration, usually ranging from 1 to 35 years. The death benefit is paid out if the policyholder passes away during the policy term.
A cost-effective choice for young, expanding families or individuals seeking affordable coverage.
Renewal isn’t guaranteed when the term concludes; nevertheless, some term policies may provide an option for renewal.
Return-Of-Premium Term
Our Return of Premium (ROP) term insurance policy is a compelling option that refunds all paid premiums if the insured survives the term period.
Premium returns can commence as early as the second year.
Provides life insurance protection if needed and returns premiums if not utilized.
Indexed Universal Life Insurance
Indexed Universal Life (IUL) is a permanent policy, akin to traditional Universal Life (UL), offering flexibility in premium and death benefit.
Distinguishing itself, IUL presents a higher growth potential through index interest crediting.
Policyholders can allocate a portion of the cash value to invest in specified “indexes” (e.g., S&P 500 or Nasdaq 100), enhancing the potential for greater returns.
No-Medical-Exam Life Insurance
Simple & Affordable Life Insurance:
Covers medical bills and funeral costs, easing the financial burden.
Provides permanent coverage with flexibility and long-term growth potential.
Key Features:
Up to $250,000 death benefit.
No medical exam or blood work required.
Fixed Indexed Annuity
Fixed Indexed Annuities Overview:
Premiums linked to an index, credited similarly to IULs.
Offers principal protection and a death benefit, with potential gains based on market performance.
Tax-Deferred Insurance Product:
Falls under the category of tax-deferred insurance products.
Retirement Income Potential:
Structured to provide income for life, serving as an additional resource for retirement income.
Market Protection Features:
Provides protection from market decline with a guaranteed floor.
Hybrid Life Insurance With
Long-Term Care
At CPIS, we provide a comprehensive solution that not only helps you financially navigate long-term care expenses but also strategically safeguards the foundation of your retirement savings plan.
Our tailored approach ensures that your retirement funds are protected while offering the necessary support for any potential long-term care needs, contributing to a secure and worry-free future.
Get Started Today
Take control of your financial future. Contact us today to learn more about our services and how we can help you achieve peace of mind with the best possible coverage and advice.
