An Independent Marketing Organization

Helping the independent financial professional create, manage, and protect client wealth since 1988.

© 2000-Present IMGA Financial Group - All Rights Reserved

John L. Terry, III (President)  Insurance licensed in AL (1265727), AR (24716), CO (NPI00106626), GA (831116), KS  (1265727), LA (479038), MI (0343960),

MS (10101059), MO (PR103409), NY (LA1118844), OK (927503), OH (659388), TN (883255) TX (870394), VA(0108) , NC (0108)

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Life Insurance

The life insurance industry is undergoing a transformation. Term life products now routinely include return of premium or disability income riders. Universal life products now include guaranteed death benefit or long term care insurance riders. Index UL is coming to the forefront as an alternative for those who want higher cash accumulation alternatives to fixed interest rate crediting methods but do not want to expose their money to the stock market. Simplified issue whole life continues to provide strong guarantees and guaranteed premiums for those who are purchasing final expense protection.