https://lifehappens.org/life-insurance-needs-calculator/ Click here to enter your information to see what is recommended for your families or businesses protection. Call or text us after or call us to walk through this with you. We are always here to help!
Phone: 757-571-5411 or Email: jeffd@accessjdi.com
Guarantee: We will put you as the client before profits. You will always come first to us.
To our clients:
Our Mission:
is to help our clients by sourcing and delivering top-tier services with a professional approach no matter what you need us for. We work with 20 major carriers to find you the very best and most cost effective way to protect your family in the event of a tragedy or helping you build/protect your families wealth with tax deferred plans/iul’s/annuities/fia’s. We strive to deliver high end results through streamlined, customer friendly and strategic approaches- while maintaining our focus on being your most cost effective solution in the industry. We take great pride in delivering a seamless Process when we work with you to achieve your insurance and protection needs.
Our Goal:
is to make our clients day to day lives easier by having a source they can count on. We want to build long lasting relationships & partnerships by consistently helping our clients achieve their Families objectives.
WHAT WE SPECIALIZE IN:
Home Owners Looking for Mortgage Protection (pay off or down your home in case of a tragedy)
Term Life- We have programs from 10 to 30 years term, return of premium options (pay all or a portion of what you have paid in during the term. Creating a savings account leveraged with a large death benefit.
Living Benefits- riders at no extra cost to the policy holder, if qualified, that pay your death benefit while you are alive in case of severe illness (cancer, heart attack, stroke), injury, or chronic conditions such as dementia or alzheimer’s
Whole Life Policies- policies that create and generate cash values, some with participating growth by way of dividends yearly, set death benefits and level payments throughout your life or until policy is paid in full. Access to cash built up, via loan or withdrawal. We have all heard the ads by now of infinite banking concepts or “be your own banks”, these are the policies the ads are speaking of. Please inquire
IUL’s- the hottest policies in the market currently. Indexed Universal Life. Death benefit, available options with living benefits, access to cash value once built up and enjoy the cash growth against indexes such as the S&P 500. See your money grow 5, 6, up to 9.5% and compound, with zero downside risk. Unlike other options for cash growth this account has a zero percent or 1 percent floor- the account resets at high points and will never trace below them. Enjoy growth with protection from downside risk and poor years in the market.
Final Expense/Burial Coverage- not all of us have the money to leave our children or loved ones to handle our last needs. With this coverage, your beneficiary will not have to come out of their pocket or stress or struggle on how to pay your last bills, or bury/cremate you. Quick, tax free payouts here help to unburden your family during it’s hardest time.
Policies pay out tax free, leave your family wealth they do not have to pay inheritance or estate tax on. Payouts are not contestable in probate court, save your family the burden that breaks so many families apart on deciding the who, how much, and who gets what that so often becomes murky and burdensome to so many. With our plans you know exactly what your family is getting, designate it exactly how you want it to go, and they will receive it in entirety tax free.
Annuities- as you approach retirement age, and what you have needs to be free of risk and still grow at the same time- there is nothing better than an annuity to use for this vehicle. We can place you in a fixed index annuity, letting your money grow along side indexes like the S&P, technology based indexes, commodity based options or a mixture of them….all with the same downside protection as our IUL plans have. Protect your lifes savings from the ups and downs of individual stock plans, IRA’s, 401k’s and place it into a plan that will pay you out as it goes while growing securely still. Options to put your entire IRA’s, 401k’s over to these plans are available as well as partial transfers to protect and securely grow a portion of your money while staying in more aggressive risk based options with the rest.