Our Services

Welcome to Providence Creek Consulting, where we provide comprehensive life insurance and annuity solutions tailored to meet your unique needs. Explore our diverse range of products designed to offer financial security and peace of mind for you and your loved ones.

Term life insurance offers coverage for a set period, typically 10, 20, or 30 years. It’s an ideal solution for those seeking maximum coverage at an affordable rate during critical life stages, such as raising a family or paying off a mortgage. 

Benefits:

•    Lower premiums compared to permanent life insurance

•    Fixed coverage period with a guaranteed death benefit     

•    Flexibility to convert to permanent insurance

Whole life insurance provides lifelong coverage along with a savings component known as cash value. This policy ensures that your beneficiaries receive a guaranteed death benefit, and you can access the cash value during your lifetime.     

Benefits:     

•    Lifetime coverage with fixed premiums     

•    Cash value growth on a tax-deferred basis     

•    Ability to borrow against the cash value

Universal life insurance offers permanent coverage with the added flexibility of adjusting your premiums and death benefits. It also accumulates cash value based on current interest rates, giving you control over your policy.     

Benefits:     

•    Flexible premiums and death benefit options     

•    Potential for cash value accumulation     

•    Ability to adjust coverage as your needs change

Indexed universal life insurance combines the flexibility of universal life insurance with the growth potential linked to a market index. This allows your cash value to grow based on the performance of selected indexes, providing an opportunity for higher returns.     

Benefits:     

•    Cash value growth linked to market indexes     

•    Downside protection with minimum interest guarantees     

•    Flexible premiums and adjustable death benefits

Children’s life insurance policies provide lifelong coverage for your child, often with low premiums. These policies not only ensure financial protection but also build cash value that your child can use later in life.     

Benefits:     

•    Lifetime coverage with locked-in low premiums     

•    Cash value accumulation     

•    Option to purchase additional coverage without medical exams

Our fixed and guaranteed annuities offer a reliable source of income during retirement. These products provide guaranteed payments, ensuring you have a steady income stream for life or a specified period.     

Benefits:     

•    Guaranteed income for life or a set term     

•    Tax-deferred growth of your investments     

•    Protection from market volatility