Our Coverage

Protection for
Every Chapter
of Life

From first policies to legacy planning — Prime Time offers comprehensive coverage solutions for every stage of your financial journey.

IUL (Indexed Universal Life)
Trucker's Life
Term Life
Whole Life
Final Expense
Retirement
Legacy Planning
High Net Worth
Veteran's Life
01

IUL (Indexed Universal Life)

Growth-Linked Permanent Coverage
IUL (Indexed Universal Life)

Protection That Grows With the Market

IUL combines the security of permanent life insurance with the growth potential of stock market indexes — without directly exposing your cash value to market risk. A floor protects you from losses while a cap allows meaningful gains.

An ideal solution for those seeking both protection and a tax-advantaged savings vehicle with long-term wealth potential.

Market-linked growth with downside protection
Zero-floor prevents negative returns
Tax-free death benefit
Flexible premium and benefit adjustments
Living benefit riders available
Explore IUL Options
02

Trucker's Life Insurance

Coverage Built for the Road
Trucker's Life Insurance

Protecting America's Hardest Workers

Trucking is one of the most essential and physically demanding professions in the country. Our Trucker's Life Insurance programs are designed specifically for truck drivers, owner-operators, and trucking families — real coverage that understands real risks.

Specialized underwriting for truckers
Coverage for owner-operators
Income replacement while off the road
Family protection plans
Flexible payment scheduling
Get Road Coverage
03

Term Life Insurance

Focused, Affordable Protection
Term Life Insurance

Maximum Protection at Minimal Cost

Term life insurance provides powerful coverage for a defined period — ideal for young families, new homeowners, or anyone in a critical financial chapter who needs maximum protection without a premium price tag.

Choose terms of 10, 20, or 30 years, with coverage amounts tailored precisely to your obligations and goals.

10, 20, and 30-year term options
Guaranteed level premiums
Convertible to permanent coverage
High coverage at affordable rates
Ideal for young families and mortgages
Get a Quote
04

Whole Life Insurance

Permanent Lifelong Coverage
Whole Life Insurance

A Lifetime of Security and Cash Value Growth

Whole life insurance is more than coverage — it's a financial asset. With guaranteed level premiums, a growing cash value component, and a death benefit that never expires, it becomes a cornerstone of long-term wealth planning.

Borrow against your policy, use it for retirement income, or leave a tax-free legacy for those you love.

Guaranteed death benefit for life
Accumulating cash value over time
Tax-deferred savings component
Policy loans and withdrawal options
Fixed, predictable premiums
Start Building Wealth
05

Final Expense Insurance

Dignified End-of-Life Coverage
Final Expense Insurance

A Gift of Peace to Those You Leave Behind

Final expense insurance ensures your loved ones won't carry the financial burden of funeral costs, medical bills, and other end-of-life expenses during one of the most difficult times in their lives.

Easy to qualify for, with affordable premiums and no medical exam required — dignity made accessible for everyone.

No medical exam required
Covers funeral and burial costs
Outstanding medical bill coverage
Affordable premiums for seniors
Quick approval process
Protect Your Family
06

Retirement Protection

Securing Your Golden Years
Retirement Protection

Plan Today for the Retirement You Deserve

Retirement protection strategies using life insurance allow you to create tax-advantaged income streams, protect against longevity risk, and ensure that your hard-earned assets transfer efficiently to the next generation.

We'll craft a personalized retirement income strategy that gives you confidence no matter how long you live.

Tax-free retirement income strategies
Longevity risk protection
Supplement 401k and IRA plans
Spousal continuation benefits
No contribution limits
Plan Your Retirement
07

Family Legacy Planning

Generational Wealth Transfer
Family Legacy Planning

Leave a Legacy That Outlasts a Lifetime

Legacy planning is about more than money — it's about the values, opportunities, and security you pass forward. Using life insurance as a legacy vehicle allows for tax-free transfer of wealth to children, grandchildren, or charitable causes.

Your lifetime of work deserves to create a ripple that lasts for generations.

Tax-free wealth transfer
Multigenerational planning strategies
Estate tax reduction solutions
Charitable giving integration
Trust and beneficiary structuring
Build Your Legacy
08

High Net Worth Protection

Premium Coverage for Premium Lives
High Net Worth Protection

Comprehensive Wealth Protection at Every Level

For high-net-worth individuals and families, insurance serves a sophisticated role beyond basic protection — it's an estate planning tool, a tax strategy, and a legacy mechanism all in one. We design multi-layered strategies for those who've built extraordinary wealth.

Estate equalization strategies
Irrevocable Life Insurance Trust (ILIT)
Charitable remainder trust integration
Premium financing options
Private placement life insurance
Private Consultation
09

Veteran's Life Insurance

Honoring Those Who Served
Veteran's Life Insurance

Protecting Our Nation's Heroes

We are dedicated to helping veterans and their families secure long-term financial protection and peace of mind. Our specialized coverage understands the unique needs of those who have served.

Tailored protection for veterans
Long-term financial security
Support for military families
Simplified qualification process
Peace of mind for the future
Secure Your Coverage
Not Sure Where to Start?

Every Journey Begins
With a Single Conversation

Luis will listen, assess, and recommend with no pressure. Just clear, honest guidance on the coverage that fits your life best.