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Protect What Matters Most

Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound. At New Century Insurance Services Inc. , we’ll work with you to keep your family protected in the event of your untimely death.

Grandma's Healing Touch

Term Life Insurance, also known as pure life insurance, is life insurance that guarantees payment of a death benefit during a specified term. Once the term expired, the policyholder can either renew for another term, convert to permanent coverage, or allow the policy to terminate.

Term Life Insurance

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With a Universal Life policy, the insured is protected with a guaranteed amount of death benefit proceeds. In addition, funds that are in the policy's savings component are invested to provide the policy holder with cash value build up. Over time, this cash can grow on a tax deferred basis.

Universal Life Insurance

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Whole Life insurance is the most straightforward type of permanent life. Everything is guaranteed. Your premiums stays the same as long as you live, your death benefit is guaranteed, and your cash value account grows at a guaranteed rate. As a result of the guarantees, whole life is typically more expensive than other types of permanent life insurance.

Whole Life Insurance

Hanging in plane wreckage

Accidental death and dismemberment (AD&D) is a policy that pays benefits to the beneficiary if the cause of death is an accident. This is a limited form of life insurance which is generally less expensive. You can add it as a rider to your regular Life Insurance Policy.

Accidental Life Insurance

Rustic Fireplace

Mortgage protection insurance is a life insurance policy that pays off your mortgage if you or your partner die during the term of the mortgage.

Mortgage Protection 

In the Forest

Second-to-Die insurance is a type of life insurance on two people (usually married) that provides benefits to the beneficiaries only after the last surviving person on the policy dies.

Second-to-Die Insurance

Seniors Laughing

Retirement planning needs to start now, not tomorrow. You can’t afford to wait. When your money isn’t compounding, building upon itself, you’re losing cash when you could just as easily be earning it. That’s why Prestige Retirement makes sense for you. You deserve a retirement that pays again and again.

Retirement Strategy

Modern House

The last thing you should worry about while making difficult inheritance decisions is burdening your family with taxes. You want to leave your loved ones with your estate, not high-cost estate taxes to pay to the government. Prestige Estate Planning from Cool Springs Financial can be used to finance the cost of these taxes, so your family and friends will not have to pay them. They will get all of their inheritance, what is rightfully theirs.

Estate Planning Strategy


Make business moves fast, but be smart about them. Prepare with an acquisition strategy that protects your money and earns more of it. Use Prestige Real Estate for your next real estate transactions.

Real Estate Strategy

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