Peace of Mind

At NATIONAL PROTECTORS, our team of experts provide personalized attention and expert guidance every step of the way. We understand that every individual and family has unique needs, which is why we offer a range  variety of life insurance services, including Preneed funeral planning, Final Expense insurance, Whole Life insurance, IUL insurance with living benefits, traditional Term insurance with living benefits, and Annuities.

We specialize in providing coverage that includes living benefits, which can be accelerated in cases of chronic, critical, and terminal illnesses1.

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 Here are some key points about our services:

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• Life Insurance:

• We offer life insurance coverage to protect your family’s future, working with top-rated insurance carriers to provide the best options available, regardless of health history. Many of our plans include Living Benefits with accelerated benefits for chronic, critical, and terminal illnesses.

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• Advance Planning Preneed Funeral Insurance:

• Specializing in helping families plan for funeral expenses in advance, National Protectors ensures that your funeral costs are covered, relieving the burden on your family during a difficult time.

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• Index Annuities:  indexed annuity provides a rate of return based on the performance of a market index, such as the S&P 500. Here are the key points about indexed annuities and their zero-loss protection:

• Guaranteed Minimum Interest Rate:

• Indexed annuities guarantee a minimum interest rate, ensuring that you won’t lose money even if the market underperforms.

• For example, if an insurance company issues an indexed annuity with a 0.00% floor, your premium is protected by this minimum rate1.

• Protection Against Volatility:

• Unlike direct market investments, indexed annuities are generally protected against loss of principal.

• While you won’t receive the exact return of the market index, you benefit from downside protection2.

• Calculation of Interest:

• Interest is credited based on the performance of an underlying index (e.g., S&P 500, Nasdaq 100).

• Various methods, such as annual reset, high-water mark, or point-to-point, determine how interest is calculated3.

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• Indexed Universal Life (IUL) insurance plan is indeed a comprehensive coverage option that combines the benefits of life insurance protection with investment opportunities. Here’s a brief overview of how an IUL plan works:

• Life Insurance Coverage: Like other life insurance, an IUL provides a death benefit to your beneficiaries upon your passing. This ensures that your loved ones are financially protected.

• Cash Value Component: An IUL policy includes a cash value account that grows over time. Part of your premium payments goes into this account, which can then be invested based on the performance of a specific market index, like the S&P 500.

• Flexible Premiums and Death Benefits: IUL plans offer flexibility in premium payments and death benefits. You can adjust the amount and frequency of your premiums, as well as increase or decrease the death benefit as your financial needs change.

• Tax Advantages: The cash value account grows on a tax-deferred basis, meaning you don’t pay taxes on the gains as long as they remain in the account. Additionally, the death benefit is generally paid out tax-free to your beneficiaries.

• Investment Control: While your investments are tied to a market index, you do not directly invest in the market, which mitigates the risk of loss. You also have the potential to earn more when the index performs well, with a guaranteed minimum interest rate to protect against market downturns.

• Living Benefits: Many IUL policies include living benefits, which allow you to access part of the death benefit early if you suffer from a chronic, critical, or terminal illness.

• An IUL plan is a versatile financial tool that can help you meet long-term goals, such as retirement planning, wealth transfer, and business planning, while also providing the security of life insurance coverage.

• Mission and Commitment:

  • Our mission is to provide exceptional coverage and take the burden of insurance management off the clients’ shoulders.

  • With years of experience managing various risks and exposures, We offer personalized attention and peace of mind.

  • Contact us at Tel. 602-999-7700 or via email at nationalprotectors@gmail.com

  • to find out how We can help protect your assets and loved ones.