Universal Life Insurance provides permanent protection with flexibility to meet life’s constant financial challenges. With varying premiums and the proper account value, Universal Life Insurance offers the financial security that can work for you and your loved ones.

Life Insurance through optional guarantees and flexible premiums.

  • Death Benefit
  • Flexible Premiums
  • Build Account Value

Meet with a Professional Advisor

We’ll lend a helping hand

We will assist you in every way to prepare for the changes life can bring and help take the guesswork out of planning your financial future.

Private Client Service

Our Private Client Service offers unique features
and useful benefits designed to embrace everything
about you, your goals and your needs.

We’re Members of the Community

When you work with a Coliday Financial Professional, you’ll benefit from our strong and active role in the local community.

Death Benefit

In the event of your death, Universal Life Insurance provides permanent coverage to protect your family. Many Universal Life policies also offer an option to guarantee the death benefit with continued premiums being paid so that there is peace of mind knowing your family will continue to be protected.

Flexible Premiums

In the event that your monthly finances can change, Universal Life Insurance can provide flexible premium payment options to allow for extra payments if you like or lesser payments if needed depending on the account value and ability to pay the monthly administrative and insurance fees.

Build Account Value

Universal Life Insurance allows you to borrow from the policy to supplement additional life events such as college or retirement as the policy may accumulate account value depending on the chosen premium.1

 

1 Access to account values through borrowing and/or withdrawals will reduce the cash surrender value and may reduce the policy death benefit. Taking a policy loan could have adverse tax consequences if the policy terminates upon lapse or surrender or before the insured’s death.

Partial list of major carriers we represent

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Products & Services

Term Life

Meet your life insurance needs at an affordable price.

  • Death Benefit
  • Affordable Coverage
  • Convert Your Policy

Whole Life

Help meet your financial goals and protect your family’s future.

  • Death Benefit
  • Build Cash Value
  • Opportunity to Earn Dividends

Universal Life

Life Insurance through optional guarantees and flexible premiums.

  • Death Benefit
  • Flexible Premiums
  • Build Account Value

Guaranteed Issue Life

Help your loved ones pay for final expense costs.

  • Affordable Coverage
  • Guaranteed Acceptance
  • Death Benefit

Annuities

Annuities can be a paramount way to save for retirement. Annuities may help your savings grow faster. Each type of annuity has advantages and drawbacks that you should consider carefully before deciding whether an annuity is right for you. Annuities can also provide guaranteed lifetime income.

Long Term Care

Long term care (LTC) can be expensive, and costs generally continue to rise. To receive the quality of care you want in the setting of your choice, putting a plan in place early in life is essential. In order to match your needs and budget you may choose from traditional LTC insurance, life insurance with an LTC component, or some combination of both.

Alternative Financial Strategies

We personalize global alternative financial strategies that are tailored to the accumulation and protection of wealth.

  • Agricultural Hard Assets
  • Timber
  • Coconuts

Business Services

We offer a variety of  B2B & B2C business services.

  • Document and media backups & duplication
  • Complete line of web services
  • Computer backup cloud services
  • Memorial service presentation media & support
  • A/V rentals