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Life Insurance



Your individual needs and goals are important in choosing the best life insurance policy. At RICKSTAR Financial, we work with you to find the finest policy to suit your distinctive needs. There are many different life insurance companies advertising their investment products but the problem is, one company`s policies are not the best for every individual. RICKSTAR Financial has the ability to offer life insurance policy quotes from hundreds of different companies.

RICKSTAR Financial can help you in choosing the amount of coverage necessary to help ensure that your survivors are left with the same financial lifestyle to which they were familiar while you were actively creating income. Current liabilities (e.g., outstanding loans, mortgages, etc.) and future liabilities (e.g. child education) are all considered. At RICKSTAR Financial, we understand that life insurance can be a difficult topic to comprehend, and we do our best to offer all possible options to you and present our suggestions for a policy based on your individual needs.

Life insurance should not be a hurried decision. There are many aspects to think through: whether to purchase term insurance or permanent life insurance, the size of the policy, and much more. We methodically guide you through the life insurance jargon. Since life insurance is such a significant and personal subject, we make every effort to target life insurance policies that suit your needs for financial security best.

Life insurance has tax advantages and flexibility to help you meet your changing needs. It can provide:

  • Financial defense for your loved ones or your business
  • Income replacement
  • A funding vehicle for owners of businesses
  • Account value growth that can be used as a financial source
  • Supplemental retirement income
  • Tax-deferred asset accumulation
  • Efficient wealth transfer solutions

Life insurance is an important element of your financial strategy.  Assess the types of life insurance we can offer you:

Term Life - Temporary coverage

  • Life insurance for a fixed period of time (From as short as 1 year, to 10+ years)
  • Most economical form of life insurance
  • No return of investment at term end
  • Guaranteed death benefit within the defined term

Universal Life - For a more flexible coverage

  • Traditional benefits of life insurance
  • Earnings are not taxed until paid out (tax-deferred)
  • Ability to set the amount of your monthly premium
  • Potentially grow cash value over time at a defined rate
  • Ability to set the amount of your death benefit while the policy is in force (subject to underwriting approval)

Variable Universal Life - A flexible coverage with growth potential

  • Benefits of universal life insurance
  • Potential to grow the cash value over time based on market performance of an underlying portfolio.
  • Ability to choose where your premiums are invested
  • Earnings are not taxed until paid out (tax-deferred)

Funding Life Long-Term Care - For long-term care coverage

  • Universal Life as an alternative to long-term care insurance
  • Benefits of universal life and long-term care insurance, combined
  • Provides coverage for long-term care expenses if you need it, provides a death benefit or a return of your initial premium if you don't


Guarantees and protections are subject to the claims-paying ability of the insurance company.

This website should not be deemed as an offer or solicitation in states where the registered representative(s)/investment advisor(s) is not registered to provide services. This communication is strictly intended for investors residing in the following states: AZ, CO, FL, GA, IL, LA, MI, MN, NJ, OH, OK, PA, TX, VA, WA, WI. Specific recommendations can only be based on review of a number of suitability factors including but not limited to the investors financial profile, investment objectives, and risk tolerance and the investors review of appropriate offering documents. Past performance is not guarantee of future results.

Securities licensed in: AZ, CO, FL, GA, IL, LA, MI, MN, NJ, OH, OK, PA, TX, VA, WA, WI. Investment Adviser Representative in: MI. Insurance licensed in: MI.

Securities offered through Newbridge Securities Corporation, member FINRA/SIPC and investment advisory services offered through Newbridge Financial Services Group, Inc, an SEC Registered Investment Adviser.

Newbridge Securities Corporation clears its securities transactions on a fully disclosed basis through Axos Clearing LLC. Axos Clearing, Member of the Securities Investor Protection Corporation – SIPC which protects securities customers of its members up to $500,000 (including up to $250,000 for claims for cash). Explanatory brochure available upon request or at Axos Clearing’s policy through Lloyd’s of London provides additional account coverage up to $24.5 million (including up to $1,150,000 in cash) per client as defined by SIPC rules. With both SIPC and Lloyd’s of London coverage, accounts are protected up to a total of $25 million per client (as defined by SIPC rules) including up to $1,150,000 for cash balances, with an aggregate limit of $100 million. This coverage does not protect against the loss of the market value of securities. SIPC does not protect against market risk, which is the risk inherent in a fluctuating market.

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