Insurance & Annuity Products.


Annuity is a contract between an individual and an insurance company promising lifelong income in exchange for an upfront payment. It is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time.


There are two phases: 1. The accumulation phase is the period of time when an annuity is being funded and before payouts begins. 2. The annuitization phase is when payments commence.


There are various types of annuities. Annuities are illiquid. Deposits into annuity contracts are typically locked up for a period of time, known as the surrender period, where the annuitant would incur a penalty if all or part of that money were touched.


Sun Life Financial, TransAmerica, and other providers

TransAmerica - Transamerica companies have a strong balance sheet, healthy cash flow and ample liquidity. These advantages give you the stability you need to provide you with the peace of mind you expect.

Life Insurance

General Agents

Life insurance is a contract between an insured (insurance policy holder) and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") in exchange for a premium, upon the death of the insured person.

The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses can also be included in the benefits (such as funeral expenses).