Protect Your Future & Secure Your Legacy
At Opulence Insurance & Annuities, Inc., we believe in providing you with financial peace of mind for life’s most critical moments. Our comprehensive suite of life insurance and annuity products ensures that you, your family, and your financial future are protected. We partner with leading insurance carriers to offer flexible, affordable, and personalized coverage options tailored to your unique needs.
Life Insurance Products
Life insurance is more than a policy — it’s a promise to your loved ones. Our range of life insurance options ensures you can find the right coverage to meet your financial goals and family’s needs.
Term Life Insurance
Affordable, Temporary Protection
Term Life Insurance provides coverage for a set period (10, 15, 20, 25, 30, 35 or 40 years). It’s an affordable way to protect your family’s financial future if something happens to you. With fixed premiums and a guaranteed death benefit, it’s ideal for those looking for straightforward protection.
Why Choose Term Life?
- Cost-effective coverage
- Ideal for young families or those with limited budgets
- Flexible term lengths
Whole Life Insurance
Lifelong Protection with Cash Value
Whole Life Insurance offers permanent coverage with a guaranteed payout to your beneficiaries. It also builds cash value that grows over time, which you can borrow against or use later in life.
Why Choose Whole Life?
- Lifetime protection
- Cash value accumulation
- Premiums remain fixed for life
Indexed Universal Life (IUL) Insurance
Flexible Coverage with Growth Potential
IUL Insurance combines lifelong protection with a cash value component linked to a stock market index. This option offers greater growth potential than Whole Life, with the flexibility to adjust premiums and death benefits as needed.
Why Choose IUL?
- Tax-advantaged cash value growth
- Flexible premium payments
- Market-linked returns with downside protection
Burial Expense Insurance (Final Expense Insurance)
Peace of Mind for Final Expenses
This policy ensures that your final expenses — including funeral costs, medical bills, and unpaid debts — are covered, relieving the financial burden on your loved ones.
Why Choose Burial Expense Insurance?
- Covers end-of-life expenses
- Simple application with no medical exam required
- Affordable coverage for seniors and retirees
Long-Term Care Insurance
Prepare for the Cost of Care Later in Life
Long-Term Care Insurance covers expenses associated with assisted living, nursing homes, or in-home care. This coverage protects your savings and helps you maintain your independence.
Why Choose Long-Term Care Insurance?
- Avoid depleting your savings
- Ensure access to quality care when needed
- Offers peace of mind for you and your family
Group Life Insurance
Coverage for Your Workforce
Offered through employers, Group Life Insurance provides employees with financial protection as part of a benefits package. It’s often more affordable than individual policies.
Why Choose Group Life Insurance?
- Easy access to coverage through your employer
- Often requires no medical exam
- Can be converted to individual coverage if you leave your job
Accidental Death Insurance
Coverage for Unexpected Tragedies
Accidental Death Insurance provides a payout if death is caused by an accident. This coverage can be an affordable way to supplement a life insurance policy.
Why Choose Accidental Death Insurance?
- Additional protection for high-risk occupations
- No medical exams required
- Affordable rates for extra peace of mind
Disability Insurance
Disability insurance provides financial support if an illness or injury prevents you from working. This coverage replaces a portion of your income, helping you manage essential expenses like mortgage payments, medical bills, and daily living costs.
Get Personalized Life Insurance Solutions
We are ready to help you select the right life insurance policy to protect your family’s future.
Ready to Secure Your Family’s Future?
Fixed Annuities Products
Build your financial future with the certainty of guaranteed income. Fixed annuities provide a stable way to grow your retirement savings and generate steady income for life.
What Are Fixed Annuities?
A Fixed Annuity is a financial product that allows you to accumulate savings on a tax-deferred basis and receive guaranteed income during retirement. Choose between a lump-sum payment or a series of payments over time.
Why Consider a Fixed Annuity?
- Guaranteed, stable returns
- No stock market risk
- Options for lifetime income or a fixed payout schedule
Types of Fixed Annuities We Offer
Immediate Annuities
Start receiving payments right away. Ideal for those nearing or already in retirement, this option converts a lump-sum payment into a steady stream of income.
Key Benefits
- Immediate, reliable income
- Perfect for retirement income planning
- No market volatility
Deferred Annuities
Grow your money over time. You make a lump-sum payment or periodic payments, and your money grows tax-deferred. Payments begin at a future date of your choosing.
Key Benefits
- Tax-deferred growth on earnings
- Options for payout schedules (monthly, quarterly, annually)
- Customizable to fit your long-term goals
Multi-Year Guaranteed Annuities (MYGA)
This option locks in a guaranteed interest rate for a set number of years, similar to a Certificate of Deposit (CD) but with higher earning potential.
Key Benefits
- Higher fixed interest rates than CDs
- Guaranteed returns over the contract period
- No exposure to market fluctuations
How Do Fixed Annuities Work?
Make a Lump-Sum Payment or Series of Payments — You contribute funds into the annuity.
Watch It Grow — Earnings grow on a tax-deferred basis.
Receive Guaranteed Income — Choose to receive payments over a set period or for life.
Choose Your Payout Option
- Lump-Sum Payment — Receive your payout all at once.
- Monthly Payments — Spread out payments over time for predictable, ongoing income.
Get Started with a Fixed Annuity Today
- Our agents will walk you through the process, helping you choose the right annuity product for your financial future.Ready to Secure Your Retirement Income?
Frequently Asked Questions
What’s the difference between Term Life and Whole Life Insurance?
Term Life lasts for a set time period, while Whole Life lasts a lifetime and builds cash value. Term Life is more affordable, but Whole Life offers permanent coverage and savings growth.
How does a Fixed Annuity differ from an IRA or 401(k)?
Fixed Annuities offer guaranteed income and tax-deferred growth, but unlike a 401(k) or IRA, they provide a guaranteed payout that can last a lifetime.
Can I have both Life Insurance and an Annuity?
Absolutely! Life insurance protects your loved ones, while annuities provide you with a guaranteed income stream during retirement. Together, they create a holistic financial strategy.
Why Choose Opulence Insurance & Annuities, Inc.?
- Comprehensive Product Range — From life insurance to fixed annuities, we have the coverage you need.
- Partnered with Top Carriers — We work with leading insurance providers to offer the best rates and options.
- Personalized Service — Our agents take the time to understand your needs and recommend the right plan for you.
Need Help Deciding?
If you have questions or want expert guidance, our licensed agents are ready to assist you.
Don’t Wait — Secure Your Financial Future Today!