Our Services
Our Services
Explore our wide range of insurance services designed to protect
Life Insurance
Life insurance is more than just a policy — it’s a promise to protect your loved ones even when you’re no longer there. At Have Insurance Now, we offer customizable life insurance plans that provide financial security, peace of mind, and support for your family in difficult times.
Annuities
Annuities are financial products designed to provide a steady stream of income, typically during retirement. At Have Insurance Now, we help you plan for a secure future by offering annuity solutions that grow your savings and guarantee income for life or a set period.
IULs
Indexed Universal Life Insurance (IUL) combines the protection of life insurance with the potential for tax-deferred cash value growth. At Have Insurance Now, we offer IUL plans that not only secure your family’s financial future but also build wealth over time through market-linked performance — without the risk of losing value in a downturn.
How does an IUL policy work?
Death Benefit & Cash Value
Like traditional universal life policies, IUL offers a death benefit and a growing cash value account.
Index-Based Growth
Cash value grows steadily based on a stock index (e.g., S&P 500), not just traditional fixed interest rates.
Flexible Premiums
As your cash value grows, you may adjust premiums—or even reach a zero-cost policy over time.
Interest Calculation
A portion of your premium is allocated to an index account. If the market goes up, your cash value grows. If it drops, your policy still earns a minimum interest rate, protecting you from loss.
IUL vs. Universal Life
• IUL earns interest based on index performance
• IUL may offer higher returns (with possible fees)
• Traditional UL uses fixed interest
Medicare Guidance You Can Trust
Navigating Medicare can be confusing, but you don’t have to do it alone. At Have Insurance Now, I provide personalized guidance to help you understand your Medicare options, including Parts A, B, C, and D. Whether you’re enrolling for the first time or looking to review and optimize your current coverage, I’ll walk you through the process step by step, ensuring you choose the plan that fits your healthcare needs and budget.
Smart Investment Options for Your Future
Planning for the future means making smart financial decisions today. I offer a range of investment options tailored to your goals, including annuities, retirement accounts, and income-generating products. At Have Insurance Now, I work with you to develop a personalized investment strategy that balances growth, risk, and long-term security—helping you build the financial future you deserve.
Life Insurance That Works for You
Life insurance is about protecting what matters most—your family, your business, and your legacy. I help you understand the different types of life insurance policies available, such as term, whole, and universal life, and find the one that best meets your needs and budget. At Have Insurance Now, I make the process simple and transparent, so you can secure peace of mind for yourself and your loved ones.
