Life insurance Professionals
What is life insurance?
Think of it as a contract involving three parties – an insured person, a life insurance provider and a beneficiary. When the insured person dies, the contract (i.e. the life insurance policy) stipulates that, following the filing of a death claim, the life insurance provider pays a sum of money to the beneficiary or beneficiaries. But the impact of life insurance is far reaching. It can make all the difference to your loved ones by allowing them to enjoy the lifestyle you planned for them, even when you’re no longer here.
Some major reasons to own life insurance include covering burial and other final expenses, replacing lost wages, leaving an inheritance, help pay off the mortgage, or leaving a legacy to be remembered. Permanent life insurance can also help you accumulate cash value on a tax-deferred basis to supplement your retirement savings.
Universal Life Insurance
Universal Life is a type of permanent life insurance policy that can generally be more affordable than traditional whole life insurance. In addition to providing a death benefit, universal life insurance also provide flexible premiums and a cash value savings component which can be used to supplement income or provide for retirement.
- A portion of the premium goes into a cash value
- Earns an Annual Percentage Rate
- Accumulated cash value can be borrowed
- Flexible death benefits
- Level premiums for the life of the policy
- Guaranteed cash values once the policy matures
- Cash value is tax-deferred
- Living benefits if you suffer a major illness
Mortgage Protection
Mortgage protection insurance is a way to protect one of your most valuable assets in the event of a death. As a homeowner, this protection is designed to pay off either your mortgage, a portion of your mortgage, or provide your family with payment and equity protection. In addition, many mortgage insurance programs can provide for living benefits which may allow you to receive some of the benefit if you suffer a major illness.
- Provides a benefit that will pay off your mortgage in the event of death
- Pays your mortgage payments if you become disabled
- Protects your mortgage payments in the event of critical, chronic, or terminal illness
- Allows for life insurance like coverage with affordable premiums
- Achieves peace of mind for your home and family
Final Expense
Final Expense Insurance, also commonly called Burial Insurance, is a whole life insurance policy that is designed to pay off the expenses families face upon the death of a loved one. This type of insurance ensures that your family is not saddled with debts that can be financially troubling after you pass.
The average burial in the United States costs approximately $9,000, and that does not include funeral or final medical expenses. You can protect your family now from facing these expenses alone with affordable final expense insurance.
- Permanent protection over a lifetime
- Premiums don’t increase as you grow older
- Helps protect loved ones from debts or out of pocket medical expenses that you may leave behind
- Tax-deferred cash value that builds over time
- Affordable premiums customized to fit any budget
Fixed Annuity
A fixed annuity can help you accumulate tax-deferred earnings as part of your overall retirement plan. Annuities offer the opportunity for lifetime payments and tax-advantaged earnings and can provide a guaranteed death benefit for your beneficiaries. All guarantees are backed by the continued claims-paying ability of the issuing insurance company.
- You are concerned about market volatility in your IRA, 401k, or current investment portfolio
- You are in a higher tax bracket and want to defer additional income
- You have reached the maximum allowable deductible limit on all of your retirement accounts
Non-captive Agency
Bardwell Capital is a Non-captive Insurance Group, as the name might suggest, we work as independent agents with a variety of insurance companies. This allows us to provide more options when it comes to policies because we are not limited by just one carrier. Our goal isn’t to sell the policies of a specific insurance company but instead find the option that is best for you.
- Choice of the carriers and products that best suits the individual client
- Access to any generally available product a client may want/need
- Ability to match client underwriting health risks with carriers that accept them
- Opportunity to leverage underwriting competition for a better client outcome
- Non biased representation offering clients mutliple choices from over a dozen different carriers
Gabriel Bardwell DA, ACN
President/Licensed Broker
Bardwell Capital Life Insurance
I am a licensed life insurance broker in Arizona and Texas.
For the past 17 years, I have owned a healthcare practice where I specialized in Clinical Nutrition. I feel blessed to have the opportunity to work with Family First Life and to have founded Bardwell Capital Life Insurance. We are a family business looking to protect families from the financial hardships that come from losing a loved one. I feel the same serving mentality when helping a family protect their futures as when I helped patients overcome illness through diet and supplementation.
(469) 768-0131
