Life insurance is a strong financial tool that can be used to protect and secure your family's future in the event of your death at an early age. However, you can enjoy benefits while living, there are additional benefit clauses in advance, at no additional cost, which allow you to access all or part of your benefits for death while living.

The other benefit of life insurance and annuities for college planning is the ability to accumulate cash values that can be used to help pay for college costs.

Annuities are often used to fund a Roth IRA, and Roths offer the option of a penalty-free distribution if used for higher education costs. However, you should consider the annuity contract's free withdrawal feature and surrender charges when you decide to access your Roth annuity.

You can also take out a loan or withdraw money from your life insurance policy, potentially tax-free, to help offset part of the cost of college.

Most people will be able to get health insurance through the ACA (Obamacare).

To be eligible for health coverage, you must:

• Have an annual income

• Reside in the United States.

• Be a US citizen or national or have an immigration status, work permit (Learn about eligible immigration conditions).

• Have social security

• Your medical condition does not prevent you from having this coverage

Yes, we offer professional advice in the areas of insurance and appropriate guidance for your financial needs to all our clients.