Protecting income, and the people who depend on it.
Life insurance protects the people you love; annuities help protect you from outliving your money. Together, they form the foundation of a family's financial security.
Two jobs sit at the heart of this category. Life insurance replaces income, covers debts, and leaves a tax-advantaged benefit to the people who depend on you. Annuities can turn a portion of your savings into income you can't outlive. Because we place coverage through national brokerages such as Crump, we shop a broad market and match the right tool to your situation — never the other way around.
Explore the specific solutions below, or talk with us and we'll help you figure out what actually fits.
The Solutions
Maximum coverage at the lowest cost, for a set period — ideal during your working and child-raising years.
ViewPermanent, lifelong coverage that builds guaranteed cash value over time.
ViewPermanent protection with cash-value growth potential linked to a market index, with a floor.
ViewSmaller whole-life coverage to handle funeral and end-of-life costs, sparing your family the burden.
ViewCoverage designed to keep your family in their home if you're no longer there.
ViewHelp covering the cost of extended care that health insurance and Medicare don't.
ViewTurn savings into guaranteed, lasting retirement income.
ViewWho It's For
Almost everyone with people or income to protect benefits from getting this layer right. It matters most if:
Questions
A common starting point is enough to replace your income for the years your family would need it, plus paying off major debts like a mortgage and funding future goals such as education. The right number is personal — we walk through it with you rather than guessing.
Neither is universally "better"; they do different jobs. Term is low-cost protection for temporary needs (working years, a mortgage, raising kids). Permanent coverage lasts your lifetime and builds cash value, serving legacy and lifelong needs. Many families use a thoughtful combination.
For most insurance products we're paid by the insurer or brokerage when coverage is placed — standard in the industry, and it doesn't add cost to your premium. We're happy to explain exactly how it works on any specific product.
Insurance and annuity products are offered through licensed professionals and affiliated brokerages, based on a suitability assessment of your needs. Product features, riders, and availability vary by state and by insurer. Guarantees are backed solely by the claims-paying ability of the issuing insurer and are not guaranteed by Lithos or any government agency. This page is educational and is not a recommendation to buy any specific product.
A conversation costs nothing and clarifies everything. Tell us where you are, and we'll show you what coordinated, layered planning can look like.