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Insure Your Tomorrow
Innovative Coverage for Every Stage of Life

OUR PRODUCTS

Life, Health and Supplemental Division

LONG-TERM CARE INSURANCE

Designed to cover the costs of services that assist individuals with daily living activities or substantial supervision due to cognitive impairment. This type of insurance typically pays for care not covered by regular health insurance or Medicare, such as in-home care, assisted living, adult daycare, and nursing home care. The coverage helps protect personal savings and assets from the high costs of long-term care, providing financial security and peace of mind as individuals age or face chronic health issues or disabilities.  

ANNUITIES

 Financial products sold by insurance companies that provide a steady income stream, typically used for retirement funding. Individuals pay a lump sum or series of payments to the insurer, which in turn commits to paying the annuity holder a series of disbursements beginning either immediately or at a future date. Annuities can be structured in various ways, offering options such as fixed, variable, and indexed payments. They are favored for their ability to provide predictable income, which can be guaranteed for life, thus offering financial security in retirement.  

FINAL EXPENSE INSURANCE

Also known as, burial or funeral insurance, is a type of Whole life insurance designed to cover the costs associated with the policyholder's death, such as funeral services, burial, and other associated expenses. These policies typically have lower coverage amounts and relatively affordable premiums, making them accessible to a wide range of individuals. Final Expense insurance ensures that one's family is not burdened financially by end-of-life expenses, providing peace of mind and financial security to both the policyholder and their loved ones.

DISABILITY INSURANCE

A type of coverage that provides financial support in the event an individual is unable to work due to a disabling injury or illness. It replaces a portion of the insured's income, ensuring economic stability during periods when they cannot earn a salary. Policies can vary in duration, from short-term coverage, which typically lasts a few months, to long-term coverage, which can extend until retirement. This insurance is essential for safeguarding one's financial future and maintaining a standard of living when faced with unexpected health challenges.

MEDICARE

A federal health insurance program primarily for people aged 65 and older, but also available to younger individuals with certain disabilities or conditions like End-Stage Renal Disease. It covers a wide range of medical services, including hospital stays (Part A), outpatient care (Part B), prescription drugs (Part D), and optional Medicare Advantage plans (Part C) that offer additional benefits. Medicare helps mitigate healthcare costs for seniors and eligible disabled individuals, providing essential coverage to help maintain their health and financial well-being as they age.  

TERM LIFE, INDEXED UNIVERSAL LIFE, UNIVERSAL LIFE & WHOLE LIFE

Term life insurance provides coverage at a fixed rate of payments for a limited period, known as the term. If the insured dies during the term, the death benefit is paid to the beneficiary. Indexed Universal Life insurance offers flexible premiums, a death benefit, and a cash value that grows based on a stock index's performance. Universal Life insurance also provides flexible premiums and a savings element but grows based on the insurer's interest rate. Whole Life insurance offers guaranteed lifelong coverage, fixed premiums, a death benefit, and a cash value component that grows at a guaranteed rate.  

DENTAL, VISION AND HEARING INSURANCE

Specialized types of health coverage designed to meet specific needs not typically covered by standard health insurance. Dental insurance covers routine check-ups, preventive care, and procedures like fillings and root canals. Vision insurance provides for regular eye exams, glasses, and contact lenses. Hearing insurance offers benefits that reduce the cost of hearing aids and audiological exams. These insurances help manage the costs of services and equipment essential for maintaining good oral, visual, and auditory health, contributing to overall well-being and quality of life.  

SUPPLEMENTAL INSURANCE

Such as Accident, Cancer, Heart & Stroke, and Hospital Indemnity provide additional coverage to help handle unexpected medical expenses that primary health insurance might not cover. Accident insurance assists with costs from injuries due to an accident. Cancer insurance helps cover cancer treatment and associated expenses. Heart & Stroke insurance offers financial support following a heart attack or stroke. Hospital Indemnity insurance provides a daily, weekly, or monthly cash benefit during hospital stays. These policies ensure financial relief, allowing individuals to focus on recovery without the burden of unforeseen medical costs. 

EMPLOYEE BENEFITS

Are non-wage compensations provided to employees in addition to their normal salaries or wages. These benefits can include health insurance, retirement plans, dental and vision coverage, life insurance, disability insurance, and paid time off. Benefits may also extend to perks such as flexible working hours, remote work options, wellness programs, and tuition reimbursement. These offerings are designed to enhance employee satisfaction, attract and retain talent, and improve overall workplace productivity by supporting the health, financial security, and well-being of employees.

Property and Casualty Division

A  full-service brokerage offering a comprehensive array of property and casualty insurance solutions tailored for both businesses and individuals. For businesses, it provides general liability, workers' compensation, business interruption, and professional liability insurance, along with specialized coverage for vacant buildings. It also handles commercial property insurance for buildings, contents, and equipment. For individual clients, the brokerage offers personal lines such as home, auto, and umbrella liability insurance, along with specialized policies for boats, yachts, and flood insurance. This extensive range allows the brokerage to effectively address a variety of risks, serving as a one-stop shop for diverse insurance needs.  

FINANCIAL & RETIREMENT STRATEGIES

The Infinite Banking concept and Kaizen financial strategy leverage life insurance to help individuals "Be Your Own Bank." Infinite Banking utilizes whole life insurance policies with cash value that policyholders can borrow against, effectively managing their finances without relying on traditional banks. The Kaizen strategy enhances this approach by using additional financing to increase the premiums paid into the life insurance policy, potentially accelerating cash value growth. This strategy allows for up to 60% more funding potential, offering a robust way to grow and protect money while providing financial flexibility and control over personal banking.

FINANCIAL LITERACY CLASSES & BUSINESS COACHING

We provide comprehensive training and support across several key areas to empower our clients. Our Financial Literacy Classes cover essential skills like budgeting, investing, and debt management, aimed at boosting financial confidence and knowledge. In financial planning, we offer personalized strategies to help clients secure their financial future. Our Holistic Wellness Planning integrates financial stability with physical and mental health, promoting overall well-being. Additionally, our Business Coaching provides entrepreneurs and business owners with the tools and insights needed to grow and sustain their businesses, focusing on practical, impactful advice tailored to each client’s unique challenges and goals.  

WEALTH MASTERMIND CLASSES

Our Wealth Mastermind Classes are held twice a month, and designed for those seeking mastery in creating wealth and sustainability. These sessions delve into key topics such as financial planning, the intersection of AI and finance, as well as emerging trends in cryptocurrency and digital currency. Each class is crafted to provide in-depth knowledge and foster discussions that empower participants to understand and navigate the complex landscape of modern finance, enhancing their financial acumen and investment strategies. Join us to unlock your potential in building a secure and prosperous financial future.  

SENIOR 65 COMMUNITY

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WOMEN'S EMPOWERMENT PROGRAM

Our BIVX #EmpowerHer program is dedicated to uplifting and empowering women through tailored support that addresses both professional aspirations and personal growth. This initiative helps women navigate the corporate world, offering strategies for climbing the corporate ladder and insights into entrepreneurship for those aiming to become their own bosses.

Beyond professional development, #EmpowerHer delves into the nuances of personal relationships, empowering women to define what they seek in partnerships and affirming their self-worth. This is coupled with robust financial and business coaching, where participants learn to manage finances effectively, negotiate salaries, and make savvy investment decisions, ensuring they not only earn what they deserve but also secure long-term wealth.

#EmpowerHer’s strength lies in its community. Through monthly meetings, the program fosters a supportive network where women connect, share experiences, and inspire each other. These gatherings encourage participants to support one another, enhancing their journey towards becoming their best selves.

By joining BIVX #EmpowerHer, women gain access to a transformative experience that prepares them to tackle professional challenges while enriching their personal lives, making it a comprehensive empowerment program for women of all ages.

OUR NEXT LOGICAL STEP PROGRAM

Our Next Logical Step Program equips student-athletes navigating the NIL ruling with comprehensive, free support, mirroring the artist development model in the music industry. We offer a blueprint for success that extends beyond athletic performance, encompassing a holistic approach to career and personal development. Our resources include expert accountants, financial professionals, social media specialists, mental health support, and seasoned mentors from their respective sports. This program is designed to fill the gaps that agents and, family might not cover, ensuring athletes have the robust support they need to thrive both on and off the field.  

Services we Offer

Our Industry Partners

  • AIG

  • American Modern Insurance Company

  • AmTrust North American

  • Arrowhead General Ins Agcy

  • Atlas General Insurance Services

  • Balboa

  • CBIC Insurance

  • Chubb

  • Commerce West

  • Dairyland

  • Encompass

  • First American Property and Casualty Insurance Group

  • FirstComp

  • Foremost Insurance Company

  • GeoVera Ins Co

  • Grupo National Provincial

  • Guard Insurance

  • Hagerty Classic Insurance

  • Hippo

  • Hiscox

  • Infinity Group

  • Lloyds of London

  • Kemper Specialty

  • McGraw Insurance Services

  • Metropolitan

  • Pacific Specialty

  • Progressive

  • Prospect General

  • RLI Insurance

  • Safeco Insurance

  • Service First Insurance Group LLC

  • StarrBOP

  • Swyfft

  • Texas Mutual

  • The General Insurance

  • The Hartford

  • Travelers Insurance Company

  • United Property & Casualty Insurance Company

  • USLI

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