Each year, millions of Americans are left without the proper coverage for themselves and their loved ones. Excellence Consulting Services are dedicated to make sure that not only are you protected, but you are also properly informed on your multiple options.
There are many types of life insurance. Term insurance provides a death benefit for a limited period of time where as permanent insurance can provide a death benefit and the potential to build policy cash value that you can access through policy loans and withdrawals.
Final expense insurance is designed to cover the bills that your love ones will face after your death. These costs will include medical bills and funeral expense. Final expense insurance is also known as burial insurance. Unfortunately even bare-bones funerals can cost thousands of dollars.
If you’re disabled and unable to work, the last thing you want is to lose your home. With ACA’s mortgage protection program, you can keep your home intact while you work on healing your family.
TAX FREE RETIREMENT
It’s no secret that we can’t depend on Social Security or pensions alone to provide the support necessary to live out our retirement years, especially since today’s retirees are more active and enjoying longer lives than ever. What are your dreams for retirement? We can help get you there.
Mortgage or rent payment, electricity, clothing, food...these are just a few of the things we work for. If you or your spouse can’t work due to an accident, injury or illness, these bills don’t go away. Find out how simply you can bridge the gap when something unexpected threatens your livelihood.
The average lifespan continues to increase. These days it’s common for seniors to experience and enjoy the birth and development of their great grandchildren. But what happens if you or your parents need a little assistance in your later years? Let ACA give you the security of knowing you and your loved ones will always be self-sufficient.
COLLEGE SAVINGS PLAN
Plan to send your kids to college? There are several things to consider, including your children’s ages, state where they will attend school, percent you’re willing or able to fund and the potential impact of early withdrawal penalties, taxes, and so much more. Our experienced agents can walk you through each step and find the best college plan for your needs.
Many experts suggest that you need at least 60 to 70% of your pre-retirement income to enable
you to maintain your current standard of living in retirement. But this is only a general guideline.
To determine your specific need, you may want to estimate your annual retirement expenses.