Comprehensive Financial Services and Insurance Planning Across the U.S.
Untapped Financial Strategies provides individuals, families, and business owners with a wide range of tailored financial services and insurance solutions. As a woman-owned independent brokerage, we focus on financial literacy, lifestyle planning, and access to top-tier carriers. Whether you’re planning for retirement, protecting your income, or ensuring your business is covered, we help you make informed decisions. Explore our services below and discover how we support your financial peace of mind.
Term Life Insurance
Term life insurance is affordable and flexible, offering coverage for 10 to 40 years. It’s ideal for income replacement, mortgage protection, and financial support during specific life stages. While it does not accumulate cash value, it can offer:
- Peace of mind for families
- Living benefits for critical, chronic, or terminal illness
- Financial coverage for student education or debt
- Convertible options to upgrade into permanent policies
Employer-provided life insurance often ends with employment. Personal policies provide long-term protection.
The right policy depends on your age, health, goals, and risk tolerance.
Permanent / Whole Life Insurance
Permanent life insurance provides lifelong coverage, with plans lasting up to age 100 or 121. These policies accumulate cash value and can act as a financial asset. Coverage is available for children as young as 14 days. Options include:
- Whole Life Insurance: Steady premiums and guaranteed cash value
- Index Universal Life (IUL): Market-linked growth with downside protection
- Guaranteed Universal Life (GUL): Lifetime protection with minimal cash value
The right policy depends on your age, health, goals, and risk tolerance.
IUL for Kids & Legacy Planning
Index Universal Life for children is an innovative way to establish early financial protection and a foundation for generational wealth. These policies grow with your child and can later help with:
- Funding student education
- Building credit history
- Creating lifetime income
- Leaving a legacy of abundance
This service aligns with our belief that wealth is health, and early planning supports lifelong security.
Importance of Living Benefits
Life insurance is not just for what happens after you’re gone. With living benefits, you can:
- Access funds during critical, chronic, or terminal illness
- Avoid draining retirement accounts during recovery
- Maintain lifestyle and income stability
- Cover medical or caregiving expenses
Watch Eric’s Story (National Life Group YouTube video) to see how living benefits can support real lives in times of uncertainty.
Final Expense / Burial Insurance
Final expense coverage offers simplified permanent protection for individuals ages 45 to 85. These plans are designed to reduce the burden on loved ones and help with:
- Funeral and burial costs
- Legal and administrative expenses
- Quick claim processing
- Fixed premiums that never increase
This helps families avoid financial stress and focus on healing.
Annuities
Annuities provide tax-deferred growth and guaranteed income, designed to support long-term lifestyle goals and avoid outliving personal income. Whether you need steady income or want to build wealth safely, we offer:
- Fixed, Indexed, and Immediate Annuities
- Guaranteed lifetime income
- Tax-deferred compound interest
- Legacy and wealth transfer support
- Supplemental income for retirement
Visualize living too long, not running out of money. Let us help you secure confidence and stability.
Retirement Planning via Life Insurance
Using life insurance for retirement planning is a powerful financial strategy. It ensures:
- Predictable income during market shifts
- Tax-efficient withdrawals
- Access to cash value in emergencies
- Protection from unknown future costs
Whether you’re 10 years out or already retired, our advisers tailor solutions to meet your goals while preserving your lifestyle.
Business Life Insurance & Continuity Planning
Protect your company with specialized coverage designed for business continuity and succession.
- KeyPerson Insurance: Protects your operations against the loss of vital team members
- Buy-Sell Agreements: Plan for ownership transfer in case of death or disability
- Cross Purchase
- Entity Purchase
- One-Way Agreement
- Executive Bonus Options: Retain top talent with tax-advantaged strategies
- Disability Insurance: Secure income for owners and employees
These are essential protections for business owners who want to minimize risk and protect long-term value.
Financial Literacy Sessions & Workshops
Empowering our clients starts with education. We offer personalized and group-based financial literacy sessions to help you:
- Understand insurance and retirement options
- Learn how to budget, save, and plan
- Explore tax-efficient strategies
- Make confident decisions at every life stage
This service is ideal for individuals, families, or employee benefit programs.
Monthly Budget Calculator
Take control of your finances with a clear picture of your monthly income and expenses.
Use our simple calculator to understand your cash flow, identify spending patterns, and find opportunities to improve your financial strategy.
Enter your monthly income and expenses below to get started.
Why It Matters:
Understanding your monthly budget helps you:
- Make informed financial planning decisions
- Create room for savings and emergency funds
- Avoid overspending and high-interest debt
- Align your spending with your lifestyle goals
Your budget tells the story of your priorities. Let’s make sure it supports the life you truly want.
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Differences Between Insurance Types
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Explore solutions built for your stage of life, lifestyle goals, and long-term peace of mind.
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