Empower Your Financial Future and Create a Lasting Legacy for Your Family

Essential protection starts with a simple conversation.

Imagine a life free from debt, with complete control over your finances. At Real Needs Secured, we are dedicated to helping you turn that vision into reality. Our personalized services include life insurance for family protection, final expense coverage, and wealth-building through Indexed Universal Life (IUL) policies. We empower you to take charge of your financial future.

Life is a journey with evolving financial needs. At Real Needs Secured, we offer personalized insurance solutions tailored to every stage of your life:

Early Adulthood (20s-30s): Starting Out Whether buying a home or starting a family, Term Life Insurance offers affordable protection, while Whole Life or IUL policies help build future wealth.

Mid-Life (30s-50s): Growing Assets During your prime earning years, life insurance protects your family and assets, and IUL policies provide both protection and growth opportunities.

Pre-Retirement (50s-60s): Planning Ahead As you approach retirement, life insurance becomes key for estate planning and wealth transfer, ensuring your family is taken care of.

Retirement (60s+): Legacy and Final Expenses Ensure your loved ones are protected from end-of-life expenses with Final Expense or Whole Life Insurance to cover funeral costs and debts.

With over 20 years of combined experience, we partner exclusively with top-rated insurance companies to provide you with competitive rates and innovative products tailored to your unique financial goals.


Protect & Grow Your Future: Explore Our Insurance
Solutions

Image

Whole Life


Whole life insurance offers lifelong coverage and builds cash value over time, making it a valuable financial asset.

Key Features:

- Lifetime Coverage: Protects you for life.

- Cash Value: Grows over time, with options for loans or withdrawals.

- FixedPremiums: Consistent payments.

- Dividends: Potential for earnings that can be reinvested.

Image

Indexed Universal Life


Indexed Universal Life (IUL) insurance is a flexible permanent life insurance policy that offers a death benefit and cash value growth linked to a mark19et index.

Key Features:

- Flexible Premiums: Adjustable payments to fit your financial needs.

- Cash Value Growth: Linked to a stock market index for potential higher returns.

- Lifetime Coverage: Provides protection for your entire life.

Image


Final Expense


Final Expense insurance is a life insurance policy that helps cover funeral costs and other end-of-life expenses, ensuring financial security for your family and l19oved ones.

Key Features:

- Guaranteed Acceptance: No medical exam required for most applicants.

- Budget-Friendly Premiums: Low monthly payments that won't break the bank, making coverage affordable.

- Immediate Payout: Covers funeral costs and final bills.

Image

Term Life


Term life insurance offers affordable coverage for a set period(typically 10, 20, or 30 years),ensuring financial protection for your loved ones.

Key Features:

- Fixed Term Coverage: Protection for a specific duration.

- Affordable Premiums: Lower initial costs than permanent policies.

- Death Benefit: Support for beneficiaries if the insured passes away during the term.

- Renewal Options: Opportunities to extend coverage at the end of the term.

Image


Annuity


An annuity is a financial product that provides a steady income stream, usually during retirement, in exchange for a lump sum or periodic payments.

Key Features:

- Guaranteed Income: Reliable income for a specified period or for life.

- Tax-Deferred Growth: Earnings grow tax-deferred until withdrawn.

- Flexible Options: Includes fixed, variable, and indexed annuities to meet different needs.