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A.M. Best Company, Inc.
For overall financial strength and ability to meet ongoing obligations to policyholders
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Moody's Investors Service
For current financial strength and ability to withstand financial stress in the future
S&P Global
For financial strength to meet obligations to policyholders
About Secure Horizons Group
At Secure Horizons Group, we do life insurance differently. Our simplified issue program lets you skip the medical exam and get the coverage you need—fast and hassle-free.
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We’re more than just an insurance provider—we’re a people-first company. Our mission is to build a stronger, more supportive community by putting people ahead of profits, every time.
​Medical Exam Waived
Avoid the hassle of a medical exam during approval. We assess your health through a few easy questions about your medical history and a quick review of your prescription records. It’s that straightforward!
Skilled Consultation
​Partner with one of our licensed agents who will guide you in selecting the perfect policy. Our experts will explain the details, costs, and benefits, helping you make a well-informed decision.
Secure Horizons is reshaping life insurance to make it more accessible and meaningful for today’s generation
At Secure Horizons Group, we offer a personalized policy crafted just for you.
Insurance isn’t one-size-fits-all. That’s why partnering with an agent who can customize life insurance to fit your unique financial needs is essential.
Mortgage protection insurance designed to secure your home
Permanent whole life insurance offers lifelong protection and features a cash value component that accumulates over time
Term life insurance provides coverage for a set period, such as 10, 20, or 30 years
Secure Your Family’s Future Now
Life is full of uncertainties, but getting life insurance today ensures your loved ones receive the support they need. Don’t wait—take action now to provide them with the peace of mind they deserve
Indexed Universal life (IUL)
​Flexible coverage that also builds cash value linked to a stock market index, offering your family important financial security
30-day Free Look Period
Your confidence and satisfaction with your life insurance policy matter to us. That’s why we provide a 30-day Look Period. If you’re not fully satisfied for any reason, you can cancel your policy within the first 30 days from the issue date and receive a full refund of your premium—no questions asked.
FAQs
Five Questions To Ask When Considering Life Insurance
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How do I get started with the Infinite Banking Concept?To implement IBC, consider the following steps: Educate Yourself: Gain a thorough understanding of IBC principles by reading reputable sources, attending seminars, or consulting with an Inner Circle Financial professional experienced in this strategy. Assess Your Financial Situation: Evaluate your current financial health, including income, expenses, debts, and savings, to determine how IBC might fit into your overall plan. Consult with Experts: Engage with financial advisors who specialize in IBC to receive personalized guidance tailored to your goals and circumstances. Source: Living Wealth
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Are there any potential drawbacks or considerations with the Infinite Banking Concept?While IBC can be a powerful financial tool, it's essential to be aware of potential downsides: Complexity: Understanding the intricacies of whole life insurance policies and the IBC strategy requires careful study and possibly professional guidance. Costs: Whole life insurance premiums can be higher compared to term life policies, and the initial years may have lower cash value accumulation due to policy fees and costs. Long-Term Commitment: IBC is most effective when viewed as a long-term strategy, with benefits becoming more pronounced over many years. Source: The Money Advantage
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What are the benefits of implementing the Infinite Banking Concept?IBC offers several advantages, including: Tax Efficiency: Loans taken against the policy's cash value are generally not considered taxable income, providing a tax-advantaged method of accessing funds. Financial Control: By becoming your own banker, you gain greater control over your financing, reducing reliance on traditional financial institutions. Wealth Preservation: The death benefit ensures that your beneficiaries receive a tax-free inheritance, aiding in legacy planning. Asset Protection: In many jurisdictions, the cash value within life insurance policies is protected from creditors, offering an additional layer of financial security. Source: Living Wealth
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How does the Infinite Banking Concept work?The process begins by purchasing a whole life insurance policy from a mutual insurance company. As premiums are paid, a portion contributes to the policy's cash value, which grows over time. Once sufficient cash value accumulates, policyholders can take loans against it, using the funds for personal financing needs. Repayments are flexible, and the cycle allows for continuous growth and access to funds. Source: Living Wealth
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What is the Infinite Banking Concept?IBC involves using whole life insurance policies with high cash value to function as a personal line of credit. By overfunding these policies, individuals can borrow against the accumulated cash value for various financial needs, such as purchasing assets or funding education, while potentially earning dividends and interest Source: Nerdwallet - Finance Smarter