top of page
Modern Architecture

Insurance Products & Services

MSMS is a life insurance brokerage partnering with many different financial services companies to provide over 100 insurance products. When finding solutions for clients needs, insurance products are sometimes enhanced with riders or living benefits. We also carry products and services such as disability insurance, critical illness insurance, dental and vision insurance and legal services.

Whole life insurance is a permanent life insurance policy that guarantees a fixed death benefit for your beneficiaries and a cash value savings component for the policyholder. The death benefit is tax-free.  Additionally, this plan could work like a low-risk investment account, providing an extra source of income for retirement, college tuition, or emergency funding. 

Term life insurance is a type of life insurance policy that expires after a set period or a (term). Until its expiration date, the policy guarantees payment to a beneficiary or beneficiaries if the insured dies.  This policy has affordable premiums, life coverage with financial security and income tax benefits.

Universal Life Insurance is a type of permanent life insurance plan with a cash value component but premiums and returns can vary. These policies provide different investment options and terms to fit different needs and levels of risk tolerance.

An annuity is a contract between you and an insurance company that requires the insurer to make payments to you as one lump-sum payment or as a series of payouts immediately or in the future. People typically buy annuities to help manage their income in retirement.

Endowment insurance is a type of life insurance policy designed to pay a lump sum on maturity or on death. This plan promises a risk-free, guaranteed return on a guaranteed date as long as you make the fixed monthly payments. Sometimes this policy is marketed as a college savings plan. 

An individual retirement account is a savings account with tax advantages that individuals can open to save and invest in the long term. Similar to a 401(k) account that an employee obtains as a benefit from their employer, an IRA is designed to encourage people to save for retirement.

Term Life

Because Family Matters...

Modern Architecture

Because your family matters, we strive to bring the highest level of service. We are recognized for having integrity by those we serve. Educating on the fundamentals of each plan leaves our clients with dignity and a peace of mind. 

Minnie Minor - Carr, Principle

bottom of page