Life Insurance
Protection for the people who counted on you yesterday — and will tomorrow.
The right policy depends on the season you're in: protecting a young family, building cash value for retirement, or covering final expenses. Pinnacle compares dozens of carriers so you don't have to.
Term
Pure protection for a fixed period — 10, 20, or 30 years. The lowest cost per dollar of coverage, ideal for income replacement during your working years.
Mortgage Protection
Term coverage sized to your mortgage, so the house is paid for if you're not there to make the payments. Your family is the beneficiary — not the bank — so they can pay off the loan or use the money where it's needed most.
Whole
Permanent coverage that builds guaranteed cash value and never expires. Higher premium, but the policy is there for life and the cash value is accessible.
Indexed Universal Life
Permanent coverage with cash value tied to a market index and floored at zero. Tax-advantaged growth, often used for supplemental retirement income.
Infinite Banking
A dividend-paying whole life policy built for maximum cash value that you can borrow against — for a business, a purchase, or an emergency — while the full balance keeps compounding as if untouched. No bank approvals; you set the repayment schedule.
Final Expense
A smaller whole-life policy ($5k–$25k) designed to cover funeral, burial, and end-of-life costs. Simplified underwriting, quick to put in place.
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