Products and Services
We specialize in 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.
Blue Wave Financial specializes in term, whole life and universal life policies designed to fit your budget and needs.
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 that your currently spending would you be interested? Our programs are specially designed to help you live a life debt free.
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.
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.
Final expense insurance can save your loved ones a lot of money and stress at the time of your death. With the 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 that burden of final expenses by providing you with realistic options when deciding how to pay for many of the costs associated with funerals.