Insurance Solutions You Can Count On | People You Can Trust

Schedule a Review

Insurance Solutions

World Class Coverage Serviced by World Class Brokers Tailored for World Class People

From protecting your family and mortgage to preparing for retirement and final expenses, CAB Financial Solutions helps you compare insurance strategies based on your needs, budget, and long-term goals.

Request a Complimentary Review Call 833-9RETIRE

Explore Your Options

Major types of insurance coverage

Each insurance product serves a different purpose. Some provide temporary protection, while others may offer lifetime coverage, cash-value features, retirement income, or protection against specific financial risks.

Mortgage Protection

Life insurance designed to help your beneficiaries manage mortgage payments or other household expenses if you pass away during the coverage period. Featured

Life insurance designed to help your beneficiaries manage mortgage payments or other household expenses if you pass away during the coverage period.

May help preserve the family home
Coverage can be matched to a mortgage term
Benefits are generally paid to the named beneficiary
Optional riders may be available

Product availability, underwriting, exclusions, riders, costs, and benefits vary by state, insurer, and individual eligibility.

Review This Coverage

Term Life Insurance

Coverage for a defined period, such as 10, 20, or 30 years. Term insurance is commonly used for income replacement, debts, education expenses, and family needs.

Coverage for a defined period, such as 10, 20, or 30 years. Term insurance is commonly used for income replacement, debts, education expenses, and family needs.

Temporary death-benefit protection
Often lower initial premiums than permanent coverage
Convertible options may be available
Useful during high-responsibility years

Product availability, underwriting, exclusions, riders, costs, and benefits vary by state, insurer, and individual eligibility.

Review This Coverage

Whole Life Insurance

Permanent life insurance that may remain in force for life when required premiums are paid. Policies may also build cash value over time.

Permanent life insurance that may remain in force for life when required premiums are paid. Policies may also build cash value over time.

Permanent death-benefit protection
Level-premium options are common
Cash-value accumulation
Policy loans may be available

Product availability, underwriting, exclusions, riders, costs, and benefits vary by state, insurer, and individual eligibility.

Review This Coverage

Final Expense Insurance

A form of whole life insurance commonly intended to help families manage funeral costs, medical bills, and other end-of-life expenses. Popular

A form of whole life insurance commonly intended to help families manage funeral costs, medical bills, and other end-of-life expenses.

Smaller face amounts are commonly offered
Simplified underwriting may be available
Benefits may be used for multiple expenses
Designed to reduce the burden on loved ones

Product availability, underwriting, exclusions, riders, costs, and benefits vary by state, insurer, and individual eligibility.

Review This Coverage

Indexed Universal Life

Permanent life insurance with flexible features and interest-crediting options linked to the performance of a market index, subject to policy terms.

Permanent life insurance with flexible features and interest-crediting options linked to the performance of a market index, subject to policy terms.

Permanent life-insurance protection
Potential cash-value accumulation
Caps, participation rates, and charges may apply
Requires ongoing policy monitoring

Product availability, underwriting, exclusions, riders, costs, and benefits vary by state, insurer, and individual eligibility.

Review This Coverage

Annuities

Long-term insurance products designed for retirement accumulation or income. Options can include fixed, fixed indexed, immediate, and deferred annuities.

Long-term insurance products designed for retirement accumulation or income. Options can include fixed, fixed indexed, immediate, and deferred annuities.

Tax-deferred accumulation may be available
Optional lifetime-income features
Surrender periods and charges may apply
Guarantees depend on the issuing insurer

Product availability, underwriting, exclusions, riders, costs, and benefits vary by state, insurer, and individual eligibility.

Review This Coverage

Disability Income Insurance

Coverage that may replace a portion of earned income when an eligible illness or injury prevents you from working, subject to the policy definition of disability.

Coverage that may replace a portion of earned income when an eligible illness or injury prevents you from working, subject to the policy definition of disability.

Short-term and long-term options
Individual and employer-sponsored coverage
Waiting and benefit periods vary
May help support regular household expenses

Product availability, underwriting, exclusions, riders, costs, and benefits vary by state, insurer, and individual eligibility.

Review This Coverage

Long-Term Care Coverage

Coverage intended to help with qualifying care expenses, including certain home care, assisted living, or nursing facility services.

Coverage intended to help with qualifying care expenses, including certain home care, assisted living, or nursing facility services.

Traditional and hybrid options may be available
Benefit triggers and limits apply
May help preserve other retirement assets
Planning earlier can expand available options

Product availability, underwriting, exclusions, riders, costs, and benefits vary by state, insurer, and individual eligibility.

Review This Coverage

Business Protection

Life and disability insurance strategies may help businesses prepare for the death or disability of an owner, executive, or other key employee.

Life and disability insurance strategies may help businesses prepare for the death or disability of an owner, executive, or other key employee.

Key-person insurance
Buy-sell agreement funding
Executive benefit strategies
Business-continuation planning

Product availability, underwriting, exclusions, riders, costs, and benefits vary by state, insurer, and individual eligibility.

Review This Coverage

Protecting the Family Home

What is mortgage protection insurance?

Mortgage protection generally uses an individual life insurance policy to provide a death benefit to your named beneficiary. The beneficiary can use the proceeds to help pay the mortgage, maintain the household, replace income, manage debts, or address other financial needs.

Flexible benefit use The beneficiary generally decides how the policy proceeds should be used.

Customizable terms Coverage can often be structured around the remaining mortgage period.

Additional protection Certain policies offer optional living-benefit or disability-related riders.

Family-centered planning Coverage can help give loved ones more choices during a difficult time.

Important distinction: Individual mortgage protection life insurance is different from private mortgage insurance, commonly called PMI. PMI generally protects the lender when a borrower defaults; it does not provide a life insurance benefit to your family.

Review Mortgage Protection Options

Insurance FAQ

Frequently asked insurance questions

General answers to common questions about protection, retirement, income, and long-term financial responsibilities.

How is mortgage protection different from PMI?

Individual mortgage protection generally uses life insurance that pays a death benefit to a named beneficiary. PMI generally protects the lender if a borrower defaults and does not provide a life-insurance benefit to the family.

What is the difference between term life and whole life insurance?

Term life generally provides protection for a defined period. Whole life is permanent insurance that may remain in force for life when required premiums are paid and may build cash value.

What is final expense insurance used for?

Final expense insurance is commonly intended to help beneficiaries manage funeral costs, medical bills, debts, and other end-of-life or household expenses.

How does indexed universal life insurance work?

Indexed universal life is permanent life insurance with interest-crediting options linked to a market index. The policy does not directly invest in the index, and policy charges and crediting terms affect performance.

Can an annuity provide lifetime income?

Certain immediate, deferred, fixed, and fixed indexed annuities can provide income options designed to last for life, subject to contract terms and the issuing insurer’s claims-paying ability.

What does disability income insurance cover?

Disability income insurance may replace a portion of earned income when an eligible illness or injury prevents work, subject to the policy definition of disability and other terms.

When should long-term care planning be considered?

Long-term care planning is often considered before care is needed, while more coverage and underwriting options may still be available.

How can insurance support business-continuation planning?

Life and disability insurance may help fund key-person, buy-sell, executive-benefit, and continuity strategies. Legal and tax professionals should help coordinate the arrangement.

Are your family, mortgage, and retirement protected?

Schedule a complimentary insurance review to discuss your current coverage, identify possible gaps, and explore solutions suited to your financial goals.

Book a Consultation 833-9RETIRE