7 out of 10 Americans will suffer a stroke, coronary event or get invasive cancer and survive.
Are you financially prepared to maintain your lifestyle if that happens to you even if you have good health insurance?
It Won’t Happen To You? Are You Sure?
Life Insurance with living benefits is the solution!
Below is an example of a young woman who was glad she had the new, more valuable type of life insurance that helped her and her family when she needed it the most. Life insurance she didn’t have to die to use! Young people need life insurance too.https://www.youtube.com/embed/L0nShRvARlQWatch this personal and moving story of a military Vet from San Diego that upgraded his old “death insurance” policy for the new kind of life insurance with additional benefit riders for critical, chronic, and terminal illness at no additional premium.
Watch this 23 minute educational webinar about life insurance with living benefits.
At Kratos Financial & Insurance Solutions, we help our clients protect their families while building long-term financial stability.
Cash value life insurance offers the security of lifelong coverage combined with the ability to accumulate tax-advantaged savings that you can access while you’re still alive.
Serving Phoenix, West Valley, and Surprise, AZ, we work with individuals, families, and business owners to create strategies that protect loved ones and grow assets over time.
Cash value life insurance is a permanent life insurance policy—meaning it stays in force for your entire life, as long as premiums are paid.
Part of your premium goes toward the death benefit, and part goes into a cash value account that grows over time, typically on a tax-deferred basis.
You can access your policy’s cash value through:
Policy Loans – Borrow against your cash value for major expenses.
Withdrawals – Take funds directly from your account.
Surrender Value – Receive the accumulated value if you cancel the policy.
Lifetime Coverage – Protection that never expires as long as premiums are maintained.
Tax-Deferred Growth – Your cash value grows without immediate taxation.
Access to Funds – Use your policy’s value for emergencies, opportunities, or retirement income.
Stable Premiums – Many policies have level premiums that won’t increase over time.
Legacy Planning – Provides a guaranteed death benefit for your loved ones or business.
Take the first step toward financial peace of mind today!
(619) 787-4222
now to get started
Living in Arizona offers many benefits—beautiful weather, active communities, and a great quality of life—but it also calls for smart financial planning. Cash value life insurance provides lifelong protection and a growing financial asset, helping you prepare for the future while enjoying today.
Families Seeking Long-Term Security – Ensure loved ones are financially protected for life.
Business Owners – Use policies to fund buy-sell agreements or protect key employees.
High-Income Earners – Supplement retirement savings with tax-advantaged growth.
Individuals Planning a Legacy – Leave a guaranteed inheritance for heirs or charitable causes.
| Feature | Cash Value Life Insurance | Term Life Insurance |
|---|---|---|
| Coverage Length | Lifetime | Fixed term (10–30 yrs) |
| Premiums | Higher, but stable | Lower, may increase if renewed |
| Cash Value Growth | Yes | No |
| Best For | Lifelong coverage + savings | Temporary coverage needs |
Personalized Consultation – We discuss your financial goals, budget, and long-term needs.
Policy Design – We tailor coverage and cash value growth features to your objectives.
Carrier Comparison – As independent advisors, we compare multiple providers for the best fit.
Implementation & Review – We help you set up your policy and review it regularly to ensure it’s meeting your needs.
Independent Guidance – We’re not tied to one company, so we recommend what truly benefits you.
Local Knowledge – We understand the financial realities of living and retiring in Arizona.
Comprehensive Planning – We integrate life insurance with your broader retirement and wealth strategies.
Ongoing Support – We’re here to adjust your plan as your life and needs evolve.
Whether you’re building wealth, protecting your family, or creating a legacy, cash value life insurance can be a powerful tool.
We provide in-person consultations in Phoenix, West Valley, and Surprise as well as virtual meetings for your convenience.
Ready to explore how cash value life insurance can protect your family and grow your assets?
Contact Kratos Financial today to schedule your complimentary consultation and discover your options.
Cash value life insurance combines lifelong protection with a savings component. Part of your premium covers the death benefit, and the rest is placed in a cash value account that grows over time—typically tax-deferred. You can access this value through loans, withdrawals, or policy surrender.
It depends on your goals. Cash value policies provide lifetime coverage and build a financial asset you can access while living. Term life is generally cheaper but only covers you for a set number of years and has no savings feature.
Yes. You can borrow against or withdraw from your cash value for emergencies, education costs, business opportunities, or supplemental retirement income.
Your cash value grows tax-deferred, meaning you don’t pay taxes on the gains as long as they remain in the policy. Loans taken against your policy are generally not taxable, but withdrawals may have tax implications depending on your circumstances.
It varies by policy type, premium amount, and performance. In general, it takes several years for the cash value to grow substantially, but well-structured policies can accelerate growth.
Yes. Many people use their cash value as a supplemental income source in retirement, especially because loans can be tax-advantaged. It also provides a death benefit for your heirs, ensuring your legacy.
Some cash value life insurance policies, such as universal life, allow flexibility in premiums and death benefits. We’ll help you choose a policy that aligns with your needs and budget now—and in the future.
Contact Kratos Financial to schedule your free consultation. We’ll review your goals, explain your options, and design a cash value life insurance plan that works for you.
Don’t wait until it’s too late. Secure your financial future with Kratos Financial & Insurance Solutions today.
Contact us today to schedule your complimentary consultation and start building your plan for a more secure future.
(619) 787-4222
now to get started
Learn How To Avoid Running out of Money When You Need It Most!
