Products and Services
We specialize in protecting your family from financial disaster. Life insurance is a valuable tool that everyone needs. Through our 30+ insurance carriers, we offer term, whole life and universal life policies designed to fit your budget and needs. We even offer the new kind of life insurance. The kind that not only pays upon death but also in the event of major medical issues like heart attack, cancer, stroke etc.
Get peace of mind, knowing you've helped protect your loved ones from financial devastation. The money can be used for final expenses, help to replace your lost income, cover debts, pay your mortgage, fund a child's education, and more.
Health Insurance and Medicare
Blue Wave Financial has an expansive portfolio of private health insurance carriers that are 30-50% cheaper than Market Place plans. Through the utilization of our many carriers, these savings can manifest for the individual client all the way to groups of 500+ employees.
Our licensed Medicare insurance consultants are experts in Medicare supplement plans, Medicare Advantage health plans, and prescription drug plans. As an Independent Insurance agency/ brokerage we help families, individuals and small business owners access affordable health insurance through a wide array of Top Insurance Carriers. We specialize in lowering premiums by 30-50% and accessing low deductible plans with Nationwide protection.
Mortgage protection is a simplified, quick issue insurance that is used to protect our client’s greatest asset. Mortgage protection plans are designed to provide a death benefit to pay off all, or a portion of, a client’s mortgage. Optional riders are available in most states, such as disability income and return of premium, which refunds all, or part of, the premium paid if the policy is unused. This product, offered by many of our carriers, can be customized to fit each client’s needs and budget.
Final expense insurance can save your loved ones a lot of money and stress at the time of your death. With the increasingly high cost of funerals, the last thing anyone wants to think about after they lose a loved one is paying for and planning final arrangements. Blue Wave Financial can help ease the burden of final expenses by providing realistic and budget friendly options.
Debt is evil. Outside of health challenges, debt is the biggest debilitating factor we deal with in our lives. If you could pay off all of your debt in 7-10 years without spending more than you are currently spending would you be interested? Our debt elimination programs are specially designed to help you live a life debt free.
Retirement and College Planning
Saving for retirement is one of the greatest financial challenges facing Americans today. Company pension plans are a thing of the past, Social Security faces a questionable future, and 401(k) and IRA plans have maximum contribution levels that limit your savings. Our products guarantee never loosing a penny and in many cases provide an income stream tax-free. Similarly, our college funding products are designed to provide tax-free funds that can be used to pay the ever increasing cost of tuition.