High Point Insurance & Advisors

Although we love cash value life insurance, we’ve found that 80% or more of whole life, indexed universal life (IUL), variable life, and other similar polices are not set up to build you cash value optimally! 😮

A optimal policy should have:
✅ max funded structure
✅ minimum death benefits to minimize fees
✅ correct death benefit type to ensure optimal growth
✅ the right blend of quality allocations
✅ dollar cost averaging for universal type policies to support stabalized growth
✅ and more.

If you have bought a cash value policy and you are not sure that it is absolutely optimal, reach out to our team for a free policy assessment. You can keep your policy, your insurance, and your money on track for your BEST case scenario by simply knowing where you’re at and making sure it aligns with where you want to go!

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the top three reasons more folks don’t own more life insurance is that they don’t don’t think they need it, they don’t want it, or they can’t afford it.

We could talk all day about the needs people have that they don’t realize they have. We could talk all day about why someone should want it. But at the end of the day, those are often very subjective topics

Our team put this together awhile back to help educate our clients on the general cost for coverage for a quality term life insurance policy that not only pays out if something were to take their life, but also in the event of something like cancer, long-term care, permanent disability, or major medical/health related catastrophes

Take a peek, it’s much more affordable than most folks think.

Interest rates are coming down and although that means mortgages are coming down as well, so are renewing rates on account like CDs, High Yield Savings, and more.

But there are still many options, and opportunities to put your money to work without putting your money at risk of “market loss”

if you knew you could do that without a bunch of crazy or hidden fees wouldn’t you want to at least know about it?

We are stoked to announce that High Point Insurance and Advisors is once again offering business insurance solutions, workers compensation, employee benefits, and employer benefits. In a couple more weeks, we will also once again be providing homeowners insurance, auto insurance, recreational vehicle insurance, and more!

Did you know that leaving your old 401k's and other retirement plans with your previous employer is one of the best ways to LOSE money, LOSE opportunity, and LOSE control of those accounts?

With the exception of some pension plans (which may be better left with a previous employer) when you leave your retirements with your old employer you will typically pay excess fees, have limited options, and oftentimes leave your assets in a less than optimal place costing you thousand and tens of thousands of dollars.

Did you know that often times for $0 in fees, 0 penalties, and $0 in taxes you can shift your assets into accounts where they are protected from fees, taxes, penalties, and MARKET DOWNTURNS while still being positioned to take advantage of market upturns. And at the same time you can add peace of mind GUARANTEES that no matter how long you live in retirement or whether you run out of money in retirement... you will NEVER run out of income?

If this is so great, why doesn't everyone do this? Well, you'd be surprised how many actually are. And the ones who aren't typically just didn't realize it was an option.

Leave a comment or send us a message and one of our advisors will reach out for a free consultation to help you decide whether or not this type of plan may be right for you!

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When considering your own retirement plans would you rather focus and plan on becoming rich? Or do you think there is wisdom in making sure you have an absolute positive guarantee that no matter what kind of 💩 may hit the fan… you don’t end up poor.

On of the biggest and most real dangers retirees today and over the next 20 years will face is outliving their retirement budget because of high inflation, decreasing social security and Medicare benefits, economic volatility, and more.

If there was a way, where typically without any cost or taxes, you could guarantee that even if you run out of money you would never run out of income, and your retirement would always be protected from the IRS, creditors, predators, and more… wouldn’t you at least want to know about it?