TRANSPARENT INSURANCE AGENCY PRICING

Assembled for clients who desire to establish a primary estate organization system. This core plan provides access to the essential paperwork and expert consultation to verify your possessions are effectively organized

• A wide ranging appraisal of your property portfolio
• Establishment of a foundational living trust
• Pour over will that coordinates with the trust
• A broad financial representation agreement
• A medical directive coupled with care wishes
• A complete audit of your named beneficiaries
• A confidential appointment to go over your arrangements

This elevated package is intended for property owners with business interests and specific distribution wishes. This package provides a robust trust structure featuring both family trusts and dynasty trust provisions to provide full security and tax reduction benefits

• Every element from the starter tier
• Preparation of a revocable trust accompanied by a life insurance trust
• Relocation of property ownership into the trust name
• Movement of checking and investment accounts to the trust
• Movement of insurance contracts to a trust structure
• Coordination with your existing professional advisors
• A yearly evaluation of your trust performance
• Complete revision of beneficiary choices across accounts
• A detailed working session to implement your plan

Our premier plan is crafted for affluent families who demand comprehensive asset protection and tax minimization. The ultimate estate package features multiple sophisticated trust instruments including grantor retained annuity trusts and charitable trusts to establish a permanent structure for your financial dynasty

• Every detail from the thorough plan
• Building of a comprehensive trust framework for your heirs
• Complete assignment of every asset into designated trusts
• Alignment of business transition with overall estate strategy
• Implementation of charitable strategies within estate plan
• Generation skipping trust provisions for multi generational transfer
• Spendthrift provisions to protect beneficiaries from themselves
• Synchronization with every professional on your team
• Periodic quarterly assessments to ensure plan alignment
• VIP treatment for every estate planning requirement
• Secure electronic vault for all your planning documents

This basic tier is crafted for residents who need a simple and effective budget friendly financial safety net. Your premium remains level and predictable for the years you specify.

• Set payments that are fixed for life over the complete coverage duration
• Income replacement sent to your family without bureaucratic hurdles
• Option to switch to whole life insurance with simplified conversion rights
• Protection levels between $100,000 and $500,000
• Streamlined and efficient registration

This comprehensive option delivers enduring security alongside a growing financial resource. Your rates are guaranteed for the long haul offering protection along with wealth building.

• Perpetual protection that remains active as long as you continue to pay
• Cash value that grows tax deferred that you can utilize for expenses
• Fixed costs that are unchanging no matter how your health evolves
• Protection levels from $50,000 through $1,000,000
• Access to policy dividends if eligible
• Supplemental features for extra security

This elite plan offers ultimate control giving you the power to adjust both cost and benefit. The cash account earns interest linked to market indices with a floor that guarantees no negative returns. This is the ideal solution for high income earners requiring both a safety net and wealth building.

• Ability to increase or decrease your payments in line with the coverage terms
• Adjustable death benefit that can be increased or decreased to adapt to new financial situations
• Cash value growth linked to market indices with a guaranteed minimum crediting rate
• Power to take tax advantaged cash access for any goal or objective
• Coverage tiers from $100,000 through $5,000,000
• Control to add critical illness and return of premium riders
• Your own expert for annual policy reviews

Our basic coverage solution for small operations gives you the essential shields against common risks with affordable premiums for Rockford entrepreneurs.

• Basic liability insurance covering third party claims
• Insurance for your on site equipment and stock
• Coverage for lost profits during covered closures
• Liability insurance for your professional duties
• First aid and medical cost coverage for customers
• Defense cost coverage within your policy
• Yearly risk analysis and policy adjustment meeting
• Expert claims guidance from our Rockford team

This robust insurance package for successful companies widens your shield with more comprehensive options and niche protections for IL enterprises.

• Enhanced liability protection with higher aggregate limits
• Enhanced property insurance with replacement cost endorsement
• Extended revenue replacement for complex recovery timelines
• Increased errors and omissions protection for higher exposure
• Commercial auto protection for your fleet
• Employee protection for on the job injuries
• Defense coverage for discrimination and harassment claims
• Network security and privacy liability protection
• Boiler and machinery insurance for critical equipment
• Regular coverage check ins throughout the year

Our flagship business insurance solution delivers the pinnacle of business insurance protection via made to order insurance programs and a dedicated liaison for large scale operations in Rockford with significant assets.

• Enterprise liability coverage with multi year guaranteed rates
• Comprehensive property insurance on a blanket basis
• Top tier business interruption with advanced analytics
• Enterprise professional protection with multi year policy period
• Enterprise auto coverage with broad form drive other car
• Top tier workers compensation with claims advocacy service
• Premium EPLI with third party coverage included
• Maximum cyber protection with credit monitoring services
• Executive risk protection for corporate governance
• Business crime protection for forgery and alteration
• Excess liability protection with defense cost coverage
• Dedicated risk manager assigned to your account
• Periodic hazard identification and mitigation
• Half year risk posture assessments and adjustments
• Premium claims support with 24/7 hotline
• Professional risk advice for business decisions

This entry level package provides core supplemental protection for families living in Rockford, IL who want predictable costs without the premium of a full coverage plan.

• Coverage for Medicare Part A coinsurance and hospital costs up to 365 additional days after Medicare benefits are exhausted
• Coverage for Part B coinsurance for covered medical expenses
• Access to our certified Medicare supplement experts for assistance with the enrollment process

This superior tier gives you peace of mind with near total coverage for families across the Rockford area who desire predictable medical costs without unexpected out of pocket charges.

• All benefits of the Essential plan plus inclusion of the Part B deductible in your policy
• Coverage for Medicare Part A deductible and Part A excess charges
• Protection for emergency medical treatment while traveling abroad
• Annual policy examination and premium trend analysis
• Enhanced assistance with claim submissions and payment issues

This economical plan keeps your monthly payment low while offering robust protection for smart shoppers across the Rockford area who visit the doctor infrequently and want to optimize their insurance dollars.

• All benefits of the Comprehensive plan except you pay the Part B deductible out of pocket
• Small charges of up to $20 for select physician consultations and up to $50 fees for emergency department care that are waived if you are admitted to the hospital
• More affordable monthly payments than Plan G with most of the same benefits
• Provides identical protection for hospital stays, surgery, and major medical events
• Complete online system access for policy management and benefit review
• Premium phone support with a named advisor for your account

Our Essential Coverage Plan is perfect for individuals and families wanting a solid foundation of medical benefits with benefits for emergencies and routine checkups.

• Benefits for specialist consultations and referrals
• Cancer screenings and cardiovascular assessments
• Coverage for a wide range of prescription medications
• Ambulance services for medical emergencies
• 24/7 nurse advice line for health questions

Our Comprehensive Coverage Plan gives you access to a wider range of services offering lower out of pocket maximums for greater protection perfect for families planning for children or surgeries.

• All basic protections plus comprehensive additions
• Lower annual deductible and reduced copays
• Coverage for step therapy and prior authorization
• Labor and delivery hospitalization benefits
• Mental health and substance abuse coverage
• Rehabilitation services after surgery or injury

Our Premium Protection Plan provides a worry free approach to managing health costs including coverage for alternative and holistic therapies tailored for high net worth individuals seeking premium benefits.

• Includes all features of our enhanced package and
• Minimal coinsurance for hospitalization and surgery
• Coverage for out of network providers at in network rates
• No prior authorization for most medications
• Coverage for health coaching and wellness programs
• Benefits for trip interruption due to medical emergencies
• Personalized health advocate to navigate the healthcare system

This foundational policy is crafted for budget conscious clients needing core financial security for your loved ones. We ensure you get the protection you deserve.

• Coverage from $5,000 to $15,000 with level payments locked in for your entire life
• Simplified underwriting with no medical exam required for approval
• Immediate coverage upon approval with quick access to funds for funeral expenses
• Policy remains in force as long as premiums are paid with peace of mind knowing your policy is secure

This popular choice offers increased death benefit amounts for families who want to cover all end of life expenses. Our caring experts adjust this plan for you.

• Coverage from $15,000 to $35,000 with steady premiums that provide lifelong affordability
• No medical exam required with streamlined underwriting without blood work
• Immediate death benefit paid directly to your beneficiary with prompt financial support when your family needs it most
• Guaranteed renewability for life with permanent protection that stays with you
• Optional accidental death benefit rider providing additional coverage if death occurs from an accident

This elite policy provides substantial death benefit coverage for clients desiring to protect their entire estate. Our trusted consultants develop this extensive benefit plan.

• Coverage from $35,000 to $100,000 with level payments locked in for your entire lifetime
• Guaranteed acceptance with no health questions and no medical exam required, guaranteeing acceptance for those with health concerns
• Full immediate death benefit from day one with prompt financial support when your family needs it most
• Lifetime guaranteed renewability with no cancellation due to age or health changes
• Optional accidental death benefit rider providing extra security for accidental death situations
• Optional return of premium rider that offers a safety net for your investment
• Dedicated local claims advocate in Rockford who manages every detail so your family can focus on healing

This basic coverage tier is perfect for individuals seeking affordable basic protection while maintaining budget friendly payments.

• Fixed monthly payments that never increase over the coverage term
• Financial protection paid out to your family or estate
• Ability to upgrade to permanent insurance regardless of health changes
• Hassle free application designed for speed and convenience

This value focused policy provides expanded coverage with higher death benefit amounts for growing families while keeping premiums manageable and predictable.

• Increased policy amounts to cover mortgages and education costs
• Locked in payments for the entire length of your policy term
• Built in rider that pays benefits early for specific medical events
• Rider that pays your premiums if you become totally disabled
• Ability to switch to any available permanent coverage type
• Renewal feature that preserves your benefits without a new exam

This maximum protection policy is crafted for high income earners with substantial financial obligations offering the highest available coverage amounts in the market.

• Superior death benefit ceilings for maximum family security
• Fixed rates secured for extended periods up to 40 years
• Complete rider package with accelerated death benefit and more
• Rider that provides term protection for all your children
• Option to cover your husband or wife with a single policy
• Extra benefit rider that boosts coverage for accidental causes
• Concierge level support with a personal advisor on call for questions
• Full portability option to take coverage with you if you change jobs

Our Essential Universal Life package is assembled for people requiring primary coverage offering adaptability for life events. This level builds a dependable starting point to guarantee your family's security across Rockford and beyond.

• Entry level death benefit of $50,000 giving you control over how you pay
• Access to accumulate cash value on a tax deferred basis
• Capability to change death benefit based on life events
• Regular coverage assessment by your Rockford agent

Our Advantage Universal Life package is ideal for established professionals wanting elevated security with powerful wealth accumulation. This core offering mixes economical premiums with comprehensive features for residents across the Rockford area.

• Standard death benefit of $100,000 with flexible premium payment options
• Stronger cash value growth with advantageous crediting rates
• Freedom to include family protection riders
• Rider that covers premiums during disability
• Periodic semiannual examinations by your Rockford expert

Our Premier Universal Life package is tailored for successful professionals wanting comprehensive financial security with top tier accumulation. This flagship package delivers extensive benefits and personalized service for prominent individuals across Rockford and the region.

• Guaranteed minimum death benefit of $250,000 featuring adjustable premium schedules
• Top tier cash value growth with industry leading rates
• All inclusive rider collection with accident, health, and care benefits
• Rider preventing policy termination from excess loans
• Personal point of contact for all your policy questions
• Four times a year check ins with your personal Rockford team

This entry level package is designed for people taking their first steps toward financial security who are aiming to set clear financial goals at an accessible starting price. This plan provides a clear snapshot of your current financial situation.

• An in depth initial meeting with a financial advisor designed to be a thorough 60 minute session
• A full written financial status report detailing your income sources, expenses, and net worth
• A clear roadmap for becoming debt free
• A basic framework for setting up a regular savings habit
• Access to our secure client portal for document sharing

This robust option is tailored to meet the needs of people ready to take a serious step toward their goals needing a comprehensive financial playbook. We expand the scope of planning to incorporate retirement savings modeling, investment allocation, and tax efficiency planning.

• Everything included in the Foundation Plan plus additional advanced planning services
• An exhaustive retirement planning review with Monte Carlo simulation results
• An in depth review of your portfolio with a recommended allocation structure
• An evaluation of your tax position with actionable planning tips
• A named advisor who takes ownership of your financial plan
• Bi yearly checkpoints to assess and adjust your strategy
• Accelerated response to your calls and emails

Our flagship comprehensive wealth management plan is designed for high net worth individuals and families for families throughout Rockford and Winnebago County. We become your trusted financial confidants, guiding every major financial decision.

• Every component of the Accelerator Plan plus a full range of premium strategic offerings
• A full estate planning assessment including tax minimization strategies
• Expert tax reduction tactics including income splitting, bunching deductions, and tax credit maximization
• A made to order investment plan with continuous supervision and market responsive adjustments
• Risk management analysis including life insurance, disability, and long term care needs
• Regular quarterly planning conversations with your advisor
• Always available support from your personal planning team
• An annual deep dive into your plan with complete strategy refresh
• Coordination with your CPA, attorney, and other professional advisors

The perfect entry level solution for building your personal banking system with a smaller initial premium commitment.

• A dividend eligible whole life insurance plan from an industry leading mutual insurer
• Cash value that compounds tax free until accessed
• The option to take policy loans for any purpose without underwriting
• Expert advice on customizing your policy for the Infinite Banking approach
• Annual policy audits to maximize the effectiveness of your banking system

Designed for clients who understand the power of a well funded whole life contract with increased funding to accelerate the system's effectiveness.

• A higher face value dividend paying whole life policy
• Expedited cash value development using a maximum funded policy approach
• Ample borrowing capacity for major expenditures without traditional bank involvement
• Incorporation of a paid up additions rider to supercharge cash accumulation
• Quarterly consultations to adjust your strategy for optimal cash value growth
• Preferential support for any policy changes or loan documentation needs

The ultimate Infinite Banking solution for high net worth individuals and families with premium levels that transform the policy into a powerful financial engine.

• A flagship dividend paying whole life policy for serious wealth accumulation
• Unmatched cash value growth through a meticulously engineered policy framework
• High capacity borrowing access for sophisticated investment strategies
• Sophisticated policy design featuring paid up additions, a term component, and income protection riders
• Comprehensive monthly reporting on all policy metrics and banking system activity
• Your own personal banking advisor for ongoing strategy and execution
• Estate planning integration to coordinate your policy with trusts and legacy goals
• White glove treatment for every interaction with our firm

Our introductory coverage option perfect for those who need essential legacy coverage with no complicated features.

• Predictable cost term life plan providing term choices spanning 10 to 30 years
• Face amounts ranging from one hundred thousand to two hundred fifty thousand dollars
• No charge yearly plan assessment
• Digital platform for policy management
• Credit card and debit card payment acceptance

Our enhanced family security package ideal for homeowners with dependents who value comprehensive family safeguarding paired with a growing savings element.

• Lifetime coverage with fixed payments you can count on
• Policy limits from two hundred fifty thousand to one million dollars
• Cash value element that grows over time tax free
• Ability to withdraw funds for any purpose
• Supplemental term benefit for temporary needs
• Living needs benefit for covered health situations
• Annual sit down to review your financial picture

Our elite family financial security and transfer plan built for clients with complex estate needs who value complete asset protection frameworks plus premium benefit amounts for maximum security.

• Custom designed permanent insurance program with face amounts from $1,000,000 to $50,000,000+
• Trust based ownership to shield proceeds from estate taxes
• Access to the most favorable risk categories available
• Enhanced coverage options with paid up additions
• White glove treatment from your personal advisor team
• Regular check ins to optimize your coverage and cash value
• Seamless communication between all your professional advisors
• Special access to our network of estate planning professionals

This starter plan offers fundamental support for families new to college funding delivering a straightforward plan to begin saving effectively.

• One hour consultation with a licensed advisor
• A tailored forecast of tuition costs and savings targets
• Overview of 529 plan benefits and tax advantages
• A foundational assessment of scholarship eligibility
• A virtual copy of your unique education savings blueprint

This comprehensive option adds investment analysis and risk assessment with a unified strategy that links college costs to your other objectives.

• Full Foundation Plan deliverables, augmented with
• An in depth strategy meeting with a senior planner
• An extensive analysis of how different accounts affect financial aid
• An analysis of asset positioning to maximize aid eligibility
• Integration of permanent life insurance for dual purpose funding
• An integrated analysis involving your current professional advisors

Our most advanced tier creates a unified approach to education funding and legacy building developed for those who want a master plan that coordinates every financial goal.

• Every Accelerator Plan element, augmented with
• An extended collaborative session with our senior consultants
• A thorough integration of education funding into your trust strategy
• Expert implementation of annual gift tax exclusion strategies
• Ongoing annual reviews and plan adjustments for life changes
• White glove service with a single point of contact
• A full spectrum approach to securing grants and merit awards
• A comprehensive framework connecting college costs to your full financial picture

This value focused annuity tier is perfect for clients who prefer a straightforward low maintenance approach. We provide a stable accumulation vehicle with guaranteed returns.

• Guaranteed fixed interest rate for the initial term
• Your original investment is 100% safeguarded
• Flexibility to withdraw earnings or a portion of principal
• Uncomplicated product design for effortless management
• Total protection from market based losses
• Tailored for individuals wanting simple safe savings

Our enhanced annuity plan is crafted for clients looking to maximize tax deferred accumulation. We deliver upside opportunity with downside protection.

• Index linked interest crediting with no market loss
• Customizable index allocation for your risk preference
• Option to secure a guaranteed withdrawal benefit
• Annual withdrawal privilege for financial flexibility
• Higher yield potential without additional risk
• Perfect for clients seeking market participation without fear

This top tier annuity package is designed for clients requiring comprehensive financial security. Your savings work hardest with our premier package.

• Elite index linked growth featuring exclusive strategy options
• Elite income protection with multiple growth mechanisms
• Joint and survivor annuity payout choices
• Disability waiver providing access without penalties
• Maximum liquidity with full access to your funds
• Ongoing support for beneficiary and estate coordination
• Well suited for people who value comprehensive planning

Ideal for individuals changing careers requiring a straightforward transfer of their retirement assets without needing ongoing portfolio management or rebalancing. Our advisors complete all rollover forms and submissions to confirm your assets arrive in your new account intact and protected.

• In depth look at your previous employer plan's options and costs
• Effortless direct rollover execution and verification
• Opening of a straightforward individual retirement account
• Initial guidance meeting to review your rollover IRA features
• Verification that your rollover meets IRS tax free requirements

Ideal for individuals wanting professional investment guidance this package adds ongoing investment management and advice matched with an expertly designed portfolio for long term growth. Our advisors create a personalized investment plan for your future applying a strategy built on low cost, diversified holdings.

• All elements of our basic rollover plan
• Combining of various scattered retirement accounts into one place
• Tailored investment strategy built around your specific financial objectives
• Proactive portfolio management with scheduled rebalancing
• Periodic reviews of your investment performance and economic outlook
• Client dashboard to review your portfolio and transaction records

Our most extensive package for sophisticated investors this package embeds your rollover within a holistic financial framework. Transcending basic transfer services and portfolio oversight, we connect your consolidated retirement assets with your full financial plan. Our team offers continuous advisory services and financial checkups.

• Full scope of the Strategic Rollover Plus offering
• Comprehensive life plan that coordinates your IRA with other assets
• Connection of your retirement savings with your insurance strategy
• Estate planning review to ensure beneficiary designations align
• Development of a distribution plan to minimize tax impact
• Continuous availability of your advisor for questions and guidance
• Annual full spectrum financial review and strategy enhancement