Apply Now

Expert Planning for Key Life Moments

We help you navigate important life moments with expert financial planning.

Discover how to manage your money effectively, save for college, plan for a secure retirement, and more.

Take the questionnaire

Maximize Your Financial Future: Expert Tips on Saving, Investing, and Retirement Planning
Unlock the potential of your finances with our expert guidance on saving, investing, preparing for the unexpected, and retirement planning.

Learn how to effectively set aside money for emergencies, build wealth through smart investments, safeguard against unforeseen events, and ensure a comfortable retirement.

Our strategies help you achieve financial stability and long-term success.

Which NGA product is best for you?

Mortgage Protection

Life insurance for mortgage protection secures financial stability and safeguards your family’s home.

Ensure mortgage debt is paid off in case of unexpected passing, providing peace of mind and security for your loved ones.

Learn More

Accidental Death Insurance

Prepare for the unexpected and safeguard your family’s financial security with accidental death insurance.

This essential coverage ensures financial stability in the event of a tragic accident, providing peace of mind and crucial support.

Invest in accidental death insurance to protect your loved ones and secure their future today.

Learn More

Whole Life Insurance

If you seek lifelong protection, this policy ensures financial security for your loved ones with guaranteed coverage and benefits.

Whole life insurance is for comprehensive, lasting protection, to enjoy peace of mind.

Learn More

Fixed Indexed Annuities

Secure stable retirement income with fixed indexed annuities.

Enjoy guaranteed payouts and growth potential, ensuring a reliable financial future. Invest in fixed indexed annuities for a worry-free retirement.

Learn More

Living Benefits

A Living Benefit Rider in life insurance is an add-on that lets you access the death benefit while still alive.

This type of insurance, provides crucial support during critical health situations.

Learn More

Term Life Insurance

Maximize your benefits with Term Life insurance, Return of Premium, and Living Benefits.

Protect your family, get your premiums back, and secure funds for terminal, chronic, and critical illnesses for comprehensive financial security.

Learn More

Indexed Universal Life

Flexible indexed universal life insurance offers growth and protection.

Secure your financial future with a policy that adapts to your needs, ensuring stability and potential growth over time.

Learn More

FREQUENTLY ASKED QUESTION​

To provide you with the information you need quickly and easily.

  • What does life insurance cover and how does life insurance work?
    In its simplest form, life insurance represents a promise between you, the policy owner, and an insurance company. By paying a premium to the insurance company, you ensure that upon your death, a specified amount of money (death benefit) will be paid to the person (beneficiary) you designate. Life insurance comes in various types.
  • Why buy life insurance when I'm young?
    Buying life insurance at a younger age is generally more cost-effective because premiums are lower when you are young and healthy. It also secures your insurability, protecting you from higher costs or denial of coverage as you age and potentially develop health issues.
  • How much life insurance do I need?
    The amount of life insurance needed varies based on factors such as income, debts, future expenses (e.g., college tuition), and the financial needs of dependents. A common rule of thumb is to have coverage that is 10-15 times your annual income.
  • What does life insurance cover? How does life insurance work?
    In its simplest form, life insurance represents a promise between you, the policy owner, and an insurance company. By paying a premium to the insurance company, you ensure that upon your death, a specified amount of money (death benefit) will be paid to the person (beneficiary) you designate. Life insurance comes in various types.
  • How Can I Customize My Life Insurance Policy?
    You can customize your life insurance policy by adjusting coverage amounts, choosing between term or whole life options, and adding riders for additional benefits tailored to your needs.
  • Why consider IUL insurance for children?
    IUL for kids provides lifelong coverage that can be valuable later in life. It offers the potential for cash accumulation that can be used for educational expenses, a down payment on a home, or other financial needs as they grow older.
  • How do fixed index annuities work?
    Fixed index annuities (FIAs) are contracts with an insurance company that offer specific guarantees in exchange for purchase payments. FIAs have two main phases: the accumulation phase, where they provide tax-deferred growth potential, and the income phase, where they deliver guaranteed income, sometimes lasting for your entire lifetime.
  • Is Infinite Banking suitable for everyone?
    While Infinite Banking offers numerous benefits, it is best suited for those with long-term financial goals and the ability to overfund a whole life insurance policy. Consulting with a financial advisor can help determine if this strategy aligns with your financial situation.
  • What are effective strategies for transferring wealth to future generations?
    Effective strategies include establishing trusts, gifting assets, utilizing life insurance policies, creating family partnerships or foundations, and implementing tax-efficient estate planning techniques.
  • How does a fixed indexed annuity protect against market losses?
    Fixed indexed annuities protect against market losses by guaranteeing that the annuity’s value won’t decrease, even if the associated index performs poorly.
Facebook Linkedin

NGA Financial is a licensed insurance service in the state of Florida (FL license # L127569). Your privacy is important to us. We collect and use your information as described in our Privacy Policy. Products and their features may not be available in all states. To help avoid requiring a medical exam, our application includes certain health and lifestyle questions.2025© NGA Financial. Alright Reserved