Secure Your Future Today.

Comprehensive Life Insurance Solutions

Cole Garcia

Your National and State Accredited Fiduciary

National PN Id: 21083481

What We Offer

At Life Armor Financial, I, Cole Garcia, as the head cash value financial specialist, expertly structure and tailor Indexed Universal Life (IUL) policies to meet the unique needs of each one of my clients. By customizing these policies, I enable clients to harness the power of the S&P 500 index, ensuring cash value growth between 4-9% annually while participating solely in market gains and avoiding any losses due to its built-in floor. This approach not only safeguards your cash value but also allows it to grow without risk. Within 1-5 years, clients can borrow against their policy tax-free, offering a flexible resource for purchasing additional assets or funding significant life events, such as education for their children. I specialize in helping business owners, high-income individuals, and anyone seeking to grow and protect their wealth effectively. My mission is to help clients achieve their financial goals through smart, secure, and personalized financial solutions.

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IUL - Indexed Universal Life

Indexed Universal Life (IUL) insurance offers flexible coverage with customizable benefits and tax-free cash value growth with investment options, providing protection for loved ones and potential tax-free income based on your financial goals.

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Term Insurance

Term life insurance offers straightforward, affordable coverage for a set period, providing a death benefit to your beneficiaries if you pass away during the term, ensuring financial protection for your loved ones and peace of mind for you.

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Final Expense Insurance

Final expense insurance provides affordable guaranteed whole life coverage designed to cover funeral costs and other end-of-life expenses, ensuring that your loved ones are not burdened with these costs after your passing.

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Frequently Asked Questions

What is Life Insurance?

Life insurance is a way of transferring financial risk from you to someone else - in this case the life insurance company. Just like you insure your car, house and belongings, why wouldn't you also insure your most valuable asset? Your life and ability to earn an income.

Why should I buy life insurance?

The wealthy have done this for years. A single financial incident can change the course of your life. did you know medical bills are the #1 cause of bankruptcy in the US? Why leave your financial future and that of your family to chance. Instead you can pay just a small monthly premium to have those risks taken care of by someone else.

How do I buy life insurance?

Work with a nationally accredited and state licensed life insurance broker who is a fiduciary. This means they have a legal obligation to work for you and provide you with options for the best policy and benefits for your personal situation. We are legally required to put your best interests ahead of everything else.

Will I need to do a medical exam?

It depends on the insurance carrier and type of policy you choose. Your licensed insurance advisor can provide you options that include instant guaranteed issue policies if that is what you would prefer.

How much will it cost?

Every individual policy is different based on your unique situation and the benefits you choose. Your licensed advisor will provide you the best options for you, your family and your budget to choose from.