Individual Life &

Health Insurance

Looking for individual life insurance that can protect your assets? Consider our term policies.

Individual Life

Term life insurance policies provide essential coverage for individuals looking to protect their loved ones financially in the event of their untimely death. These policies are designed to offer straightforward, affordable, and temporary coverage, typically spanning 10, 20, or 30 years. With term life insurance, you pay regular premiums for the specified term, and if you pass away during this period, your beneficiaries receive an income tax-free death benefit. Term life insurance is an attractive option for those seeking maximum coverage for a fixed budget, making it an ideal choice for young families, individuals with outstanding loans or mortgages, or those wanting to safeguard their children's educational expenses. Furthermore, term policies are flexible and can be tailored to suit your specific needs, with options to add riders for enhanced protection. When your term expires, you can choose to renew or convert your policy, but it's essential to understand that premiums may increase upon renewal. Overall, term life insurance offers peace of mind by ensuring financial stability for your loved ones during critical years. At MBI, we believe in empowering our clients to make informed decisions about their finances; we encourage our clients to consider all of their options and make the choice that's right for them.

Whole Life

Whole life insurance policies offer comprehensive financial protection for policyholders and their beneficiaries. Unlike term life insurance, which provides coverage for a set period, whole life policies provide lifelong protection. One of the key features of whole life insurance is the cash value component, which grows over time as you pay your premiums and earn a guaranteed rate of interest. This cash value can be accessed during your lifetime and used for various financial needs, such as supplementing retirement income, funding education, or covering emergency expenses. Moreover, whole life insurance policies offer a death benefit that is paid out to beneficiaries income tax-free, ensuring your loved ones are financially secure when you pass away. Whole life insurance is often considered a long-term investment that can provide income protection for you and your family. While premiums for whole life policies tend to be higher than term life, the financial security and cash value growth make them a valuable option for those looking for permanent coverage and a way to build wealth over time. Additionally, whole life policies may also offer dividends or other investment opportunities to further enhance your financial protection.

Infinite Banking Concept

What is the Infinite Banking Concept (IBC)? IBC allows you to take control of your financial future like never before. This unique approach allows you to be your own bank, no longer reliant on traditional financial institutions. By establishing a specially designed, high cash value, whole life insurance policy, you create a personal banking vehicle that can be used to finance a wide range of expenses, from monthly bills to major investments. This concept puts you in the driver's seat of your financial journey, offering flexibility, control, and the potential for lasting financial security.

At the heart of the Infinite Banking Concept lies the idea that you can become your own bank, taking control of your financial destiny without relying on traditional banks. Here's what you need to know:

  • Basic Concept: The Infinite Banking Concept empowers individuals to reclaim the banking function for themselves. It means you no longer have to depend on traditional banks to access the financial resources you need. Instead, you set up your own banking system over time, allowing you to finance all of your expenses through a life insurance policy.

  • Personal Banking: With this concept, you become your own banker. This system is established gradually, giving you the power to manage your finances on your terms. You can start by opening a life insurance policy, which serves as your personal line of credit.

    Once you've set up your policy, you gain the ability to finance virtually anything.

    Whether it's your monthly expenses, a new vehicle, or even investments, your life insurance policy becomes a flexible and powerful tool at your disposal.

The Infinite Banking Concept redefines the way you handle your finances, putting the banking function back into your hands. It's about building a sustainable and secure financial future through personalized, self-managed banking. Consider the power of the Infinite Banking Concept and start building a brighter financial future today. We are happy to walk you through the process.

Long-Term Care (LTC)

Gone are the days where you can live off social security income and enjoy a fully-covered retirement; aging in America is now a financial event. Long-term care insurance provides financial protection and peace of mind as you plan for your future. By taking out these policies early, you secure several vital benefits. Long-term care insurance covers the costs associated with extended healthcare needs, such as nursing home care or in-home assistance, which are not typically covered by health insurance or Medicare. Starting early allows you to lock in lower premiums while you're in good health, ensuring affordability. Additionally, it safeguards your assets, preventing the depletion of your savings in case of an unexpected health crisis. With long-term care insurance, you gain the assurance of receiving quality care without straining your finances, preserving your financial security and quality of life in your later years. It's a proactive step towards ensuring your well-being and that of your loved ones in the face of potential long-term care needs.

When do LTC benefits kick in?

  • Activities of Daily Living (ADLs): Long-term care insurance typically comes into effect when you have difficulty performing a certain number of daily activities independently. These ADLs include bathing, dressing, eating, toileting, transferring, and continence.

  • Instrumental Activities of Daily Living (IADLs): In addition to basic ADLs, some policies also consider IADLs. These encompass more complex tasks like managing finances, cooking, housekeeping, and medication management.

  • Waiting Period (Elimination Period): Many policies have a waiting period before benefits kick in. This is the initial span during which you cover your care expenses. Once the waiting period is over, your long-term care insurance starts providing financial assistance.

  • Physician's Certification: Typically, a physician's certification is required to confirm that you require assistance with your ADLs or IADLs to trigger your policy's benefits.

  • Covered Services: The type of care and services covered by your policy may vary. It can include care in nursing homes, assisted living facilities, home care, adult day care, and hospice care.

  • Benefit Amount: Your policy will specify the maximum daily or monthly benefit amount you're entitled to, helping you plan for your long-term care expenses.

LTC Hybrid Plan

An LTC Hybrid Plan, also known as a Long-Term Care Hybrid Insurance Plan, combines the benefits of traditional long-term care insurance with life insurance. It's a comprehensive solution that offers financial protection and peace of mind. Here's what you need to know:

  • Dual Purpose: An LTC Hybrid Plan serves a dual purpose. It provides coverage for long-term care needs, ensuring you're protected in the event of health challenges that require extended care. Simultaneously, it also acts as a life insurance policy, offering a death benefit or income in case long-term care isn't needed.

  • Flexibility: These plans offer flexibility and adaptability. If you require long-term care, your policy provides the necessary financial support to cover the associated costs. If you never need long-term care, your beneficiaries receive an income tax-free death benefit or an income stream, ensuring your financial legacy.

  • Asset Protection: LTC Hybrid Plans safeguard your assets, preventing the depletion of savings to cover the costs of long-term care. They provide a way to maintain your financial security while addressing potential health care expenses.

  • Peace of Mind: By investing in an LTC Hybrid Plan early, you can secure coverage at a time when premiums are more affordable and take the uncertainty out of your future healthcare needs. It's a proactive step toward ensuring financial security for both you and your loved ones.

Discover the advantages of an LTC Hybrid Plan — the insurance solution that offers you the best of both worlds: financial protection for long-term care and a legacy for your family. Give us a call today.


In a world where insurance covers everything from pets to possessions, one essential aspect often goes overlooked: safeguarding your paycheck, the cornerstone of your financial stability and livelihood. This is where income protection/disability coverage comes into play, providing a vital safety net for your financial well-being.

Short Term Disability Coverage: Your Financial Safety Net

Short-term disability coverage is a vital financial safety net that provides income protection for up to six months during unexpected life challenges. This type of insurance ensures you receive a portion of your salary when you're unable to work due to a temporary disability, injury, or illness.

Whether it's recovering from surgery, managing a medical condition, or welcoming a new family member, short-term disability coverage offers peace of mind. It bridges the income gap during these critical periods, allowing you to focus on your recovery or caregiving responsibilities without financial stress.

With short-term disability insurance, you can receive benefits quickly, ensuring your financial stability while you're unable to work. This coverage is invaluable for employees, self-employed individuals, and small business owners, providing a safety net for unexpected health-related absences.

Secure your financial well-being by exploring our short-term disability coverage options. Protect yourself and your loved ones from the financial impact of unforeseen disabilities and maintain peace of mind in times of need.

Long Term Disability Coverage: Safeguarding Your Financial Future

Long-term disability coverage is a crucial safeguard for your financial well-being when faced with a prolonged inability to work due to a severe illness, injury, or disability. This insurance provides you with a steady stream of income when you're unable to perform your job for an extended period. Long-term disability picks up where short-term disability leaves off, i.e., six months and beyond.

With long-term disability insurance, you can focus on your recovery and daily needs without the burden of financial uncertainty. It acts as a financial lifeline, helping you maintain your standard of living, pay essential bills, and support your family during a challenging time.

Long-term disability coverage is suitable for individuals in diverse professions and life stages. By ensuring you have this safety net in place, you're prepared for the unexpected, offering you and your loved ones peace of mind. Discover the advantages of long-term disability coverage and protect your financial future by exploring our comprehensive options.

Individual Health

ACA Individual Health Plans

Discover the ultimate in health coverage, personalized for your unique needs, through the Affordable Care Act (ACA). We believe that your well-being should be your top priority, and ACA Individual Health Plans are designed to make it more accessible than ever. Here's why you should consider enrolling:

Tailored for You: Our ACA Individual Health Plans offer flexibility and a variety of options, ensuring you find the plan that aligns with your lifestyle, budget, and health requirements.

Comprehensive Coverage: Enjoy the peace of mind that comes with comprehensive medical, dental, and vision coverage. From routine check-ups to unexpected health challenges, our plans have you covered.

Financial Peace of Mind: We understand that healthcare can be a significant expense. With ACA Individual Health Plans, you'll have access to premium subsidies and tax credits, making quality health insurance more affordable.

Personalized Guidance: Navigating the world of health insurance can be complex, but our expert team is here to provide guidance and support, helping you make informed decisions.

It's time to put your health first and embark on a journey to well-being. Enroll in an ACA Individual Health Plan today and secure the care you deserve. Your path to a healthier, happier life starts with MBI.


As a benefits expert, I am surrounded by reliable, experienced professionals that can support our clients with traditional retirement planning. Let’s discuss how best to refer you based on your needs.

MBI can, however, help you enhance your retirement preparation by exploring innovative options like the Infinite Banking Concept and other alternative strategies. These solutions provide clients with a unique way to secure their financial future by combining the benefits of both insurance and retirement planning. By integrating these approaches, individuals can achieve financial security, grow their wealth, and prepare for retirement while ensuring comprehensive health coverage.

By working with an individual health and benefits company that offers a holistic approach to financial planning, you can secure not only your health but also your financial future. These alternative retirement planning options provide clients with the flexibility, control, and potential for lasting financial security that traditional retirement plans may not offer.

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