Crowning Point Capital is an independent life insurance agency. Policies are issued by the insuring carrier. Coverage, eligibility, premiums and policy terms vary by product, carrier and state. Submitting a request is an inquiry only; it does not apply for or start insurance coverage.
Indexed universal life is life insurance, not an investment. Cash value is not guaranteed; policy charges continue regardless of index performance, and an index-crediting floor does not guarantee cash value. Policies must be properly funded to stay in force. Loans accrue interest and, with withdrawals, can reduce benefits and create lapse or tax consequences.
Living-benefit riders, where available, require a qualifying event. Eligibility, waiting periods, discounts and restrictions vary by carrier and state. Accelerated payments reduce the remaining death benefit and may have tax or public-benefit consequences.
Whole life guarantees depend on the policy and are backed by the claims-paying ability of the issuing insurer. Coverage remains in force when required premiums are paid. Exclusions apply.
Some final expense policies include a graded or modified benefit period during which the full death benefit is not payable. Final expense insurance does not prepay a funeral, and benefits may not cover all expenses.
Policy reviews are free with no obligation to purchase or change coverage. A review may confirm your current coverage still fits. Savings or improved coverage are not guaranteed. Crowning Point Capital is not the service department for your current insurer.
“Tradesman” is an audience label; it does not indicate a special insurance contract or any union, employer or government affiliation.
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