Forward

Insurance products can provide both living and estate benefits.

Today, more and more people are using them for living benefits and for good reason.

The laws which govern insurance-sponsored products are extremely favorable and you should consider taking full advantage of them while they're still available.

Life Insurance Investing

Life Insurance is a multi-purpose financial planning tool and is an essential ingredient in proper financial plans.

It's primary purpose is to provide protection, security and peace of mind for your family in the event of death. 

Life insurance, in it's truest sense, is designed to take care of your dependents by maintaining their standard of living and allowing them to pursue their dreams and goals.

This is the fundamental reason many people purchase life insurance.

However, Life Insurance Investing can also addresses other important needs - the needs of the living.

For example, did you know that 60% of all money paid by life insurance companies is now paid to living policyholders?

These needs include:

• Retirement Savings

• College Funding

• Estate Taxation Offset and

• Charitable Giving

Multi-Purpose Tool

There's no question that "Life Insurance is a multi-purpose financial planning tool" and we invite you learn more.

The concept of "insurances" has been an integral part of lives for centuries.  Today, more than ever, the tax laws governing insurance-based products can truely work to the astute investor's advantage.

Commitment to Quality

Both FFM and the carriers we represent take our commitment to ethical conduct in the marketplace very seriously. You will find that the majority of our carriers are members of the IMSA (Insurance Marketplace Standards Association).

IMSA is an independent, voluntary association that was organized by the life insurance industry to ensure that its members maintain a high level of ethical conduct in their dealing with the consumer marketplace.

Approval for membership in the IMSA is not automatic. An independent examiner trained and qualified to determine eligibility evaluates each carrier. If the company can demonstrate policies and procedures and a commitment to honesty, fairness and integrity involving the sale and service of products, then eligibility will be taken into consideration.

At FFM, we very much support the ideals that IMSA and its members represent.

Learn More

Please take a moment to explore the different types of Life Policies by following the links below:

• Universal Life
• Whole Life
• Variable Life
• Equity-Linked Life
• Term Life

Unsure of What's Appropriate?

Determining the type of plan that is suitable for your situation can be difficult.  We suggest that you simply Click Here on our general request form and we'll help explore options with you.