Six product lines, multiple A-rated carriers, one licensed advisor building around your budget. Here's the honest version of what each one is for.
Whole life coverage sized for funeral costs and final bills ($5,000–$25,000). Health questions instead of medical exams, decisions in days, and the price never rises once locked. If your health history is complicated, graded-benefit plans still get you covered — your advisor will explain exactly how they work, including the waiting period, before you decide.
Term coverage matched to your mortgage so the house stays in the family, with optional living-benefit riders — disability, critical illness, and return-of-premium options that give the money back if you outlive the term.
The most coverage per dollar during the years that matter most — 10, 20, or 30-year terms while kids are home and bills are big. Many of our terms convert to permanent coverage later without new health questions.
Coverage that lasts your whole life, premiums that never change, and guaranteed cash value building along the way. The steady, boring, bulletproof option — and sometimes boring is exactly right.
A death benefit plus tax-advantaged accumulation tied to market indexes — with floors that protect against down years. Powerful when it fits, wrong when it doesn't, which is why every IUL recommendation at PLG comes with a documented suitability review. We show you the guaranteed column, not just the sunny one.
Convert savings, CDs, or old 401(k)s into protected, predictable income you can't outlive. Every annuity recommendation is documented against your goals and finances — and if keeping what you have is better, that's what we'll tell you.
Your age + a few health questions = three real options, priced to the dollar.