Family Solutions


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Tuition Rewards are guaranteed minimum discounts off of full Tuition at over 430 private colleges and universities located in 47 states. Through us, each client can earn Tuition Rewards Points, which can provide a guaranteed minimum discount of up to 25% - one full year of tuition - at any one of our member schools! Our clients can add as many student beneficiaries as he or she would like (must be children, grandchildren, nieces or nephews), and there is no limit on the amount of Tuition Rewards points a client can earn.


Mortgage protection insurance is a type of life insurance that covers your mortgage payments if you die prematurely. You may need it if anyone relies on you for housing, but most people find a term life insurance policy offers more affordability and covers more expenses — and some policies also cover mortgage payments (usually for a limited period of time) if you were to become disabled.



An annuity is a financial product that pays out a fixed stream of payments to an individual, primarily used as an income stream for retirees. You can purchase an annuity to help grow or protect your retirement savings or to provide you with guaranteed income.


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Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.


Loans, credit card debt, estate costs, the funeral... most people leave behind unpaid expenses when they die, expenses that, if left unattended, burden their families tremendously. Final expense coverage is life insurance that pays off these debts, ensuring that everything will be taken care of if you pass.



Universal Life Insurance was created to provide more flexibility than whole life insurance by allowing the policy owner to shift money between the insurance and savings components of the policy. Premiums, which are variable, are broken down by the insurance company into insurance and savings, allowing the policy owner to make adjustments based on their individual circumstances. For example, if the savings portion is earning a low return, it can be used instead of external funds to pay the premiums. Unlike whole life insurance, universal life allows the cash value of investments to grow at a variable rate that is adjusted monthly.


Whole Life Insurance is a life insurance contract with level premiums that has both an insurance and an investment component. The insurance component pays a stated amount upon death of the insured. The investment component accumulates a cash value that the policyholder can withdraw or borrow against. As the most basic form of cash-value life insurance, whole life insurance is a way to accumulate wealth as regular premiums pay insurance costs and contribute to equity growth in a savings account where dividends or interest is allowed to build-up tax-deferred.