Insurance & Annuities—A Stronger Financial Future

Secure your family's future and build long-term financial stability with tailored life insurance and annuity solutions. Our trusted coverage protects what matters most, while our annuity options provide steady, reliable income for retirement. With expert guidance and personalized plans, we help you achieve lasting peace of mind—today and for the years ahead.

SERVICES

Comprehensive Insurance & Financial Solutions for Every Stage of Life

Term Life Insurance

Coverage for a set period (10, 20, 30 or 40 years), with a decreasing or level death benefit if the insured passes away during the term.

Whole Life Insurance

Lifetime coverage with a guaranteed death benefit and cash value accumulation.

Universal Life Insurance (UL)

Flexible coverage with adjustable premiums and a cash value component.

Indexed Universal Life Insurance (IUL)

Universal life insurance with cash value growth linked to market indexes.

Final Expense Insurance

A smaller policy designed to cover funeral and end-of-life expenses.

Mortgage Protection Insurance

A life insurance policy designed to cover mortgage payments if the policyholder passes away or becomes disabled.

Life Insurance for People with Health Issues

Specialized life insurance policies designed for individuals with pre-existing health conditions, often with higher premiums or coverage limits tailored to their needs.

Key Person Life Insurance

Protects businesses against financial loss if a key employee or owner passes away.

Buy-Sell Agreement Life Insurance

Helps business partners fund buyout agreements in case of a partner's passing.

Immediate Annuity

Provides income payments right after a lump-sum investment.

Deferred Annuity

Accumulates funds over time before converting into income payments.

Fixed Annuity

Guarantees a set rate of return and steady income payments.

Indexed Annuity

Returns are tied to a market index like the S&P 500, offering growth potential with downside protection.

Qualified Longevity Annuity Contract (QLAC)

A deferred annuity used for retirement planning with tax benefits.

Joint & Survivor Annuity

Provides income for two individuals, ensuring payments continue after one passes away.

Period Certain Annuity

Pays income for a set number of years, regardless of lifespan.

ABOUT

All about
Horizon Life & Annuities

Personalized Guidance & Expertise

We prioritize personalized service, guiding clients with clarity and expertise to make informed decisions. Our life insurance plans ensure your loved ones are financially protected, while our annuities provide a steady, reliable income for retirement.

Business Life Insurance & Annuities

We also specialize in business life insurance and annuities, helping business owners protect their companies, key employees, and succession plans.

Commitment to Integrity & Client-First Service

With a commitment to integrity, reliability, and client-first service, we build lasting relationships and offer solutions that adapt to changing needs.

A Stronger Financial Future

Let us help you create a stronger financial future—because your peace of mind matters today and for generations to come.

APPROACH

Our goal is to protect what you care about most - We provide peace of mind!

At Horizon Life & Annuities, we provide personalized life insurance and annuity solutions designed to protect what matters most—your family, business, and financial future. With a commitment to integrity and excellence, we help individuals and businesses navigate their options with clarity and confidence.

Our tailored policies include life insurance, mortgage protection, business coverage, and fixed annuities, ensuring long-term security and peace of mind. We stand out by offering expert guidance, customized solutions, and a client-first approach.

Driven by trust, reliability, and personalized service, our mission is to make financial protection simple and accessible. Explore our site to discover how we can help you build a stronger, more secure future.

BENEFITS

Strength that speaks for itself

Protection

Our life insurance and annuity solutions provide lasting financial security, ensuring peace of mind for you and your loved ones.

Choice

We offer tailored policies designed to fit your unique goals—whether safeguarding your family, securing your mortgage, or planning for retirement.

Trust

With a commitment to integrity and client-first service, Horizon Life & Annuities is dedicated to guiding you toward a stronger financial future.

TESTIMONIALS?!

What Our Future Clients Might Say...

"Before Horizon Life & Annuities, my financial plan was just ‘hope for the best.’ Now, I actually have a strategy! Still waiting on my lottery win, though."

Not a real client… yet!

Mitchell

"I sleep so much better knowing my family is protected. Or maybe it's just the new mattress... Either way, thanks, Horizon!"

Maybe a Future Client

Robertson

"I wanted a solid retirement plan, and Horizon delivered! Now, if only they could get my kids to move out..."

Manifesting This Testimonial

Debbie

FAQ

You're probably
wondering...

How does whole life insurance work?

Whole life insurance offers lifetime coverage with fixed premiums and builds cash value over time. Part of your premium goes into an investment component, allowing you to accumulate savings that can be accessed during your lifetime. This type of policy offers both protection and an opportunity for long-term financial growth.
What is term life insurance?

Term life insurance provides coverage for a set period, typically 10, 20, or 30 years. If you pass away during this term, your beneficiaries receive a payout. It’s a more affordable option for those who need temporary coverage or want to ensure their family is financially protected during key life stages.
Can I adjust my life insurance coverage later?

Yes, many life insurance policies offer flexibility to increase or decrease coverage as your needs change. Whether your family grows, you buy a home, or you’re planning for retirement, we’ll help you adjust your coverage to match your evolving financial situation.
What is a fixed annuity?

A fixed annuity guarantees a fixed income stream for a specified period or for the rest of your life. It’s ideal for individuals looking for predictable and stable income, typically during retirement. Your principal is protected, and you won’t need to worry about market fluctuations affecting your payments.
Can I withdraw money from my annuity early?

You can withdraw money from your annuity, but there may be penalties for early withdrawal depending on the terms of your contract. Typically, annuities have a surrender period during which you may face fees if you withdraw funds prematurely. We’ll help you understand the specifics and ensure you’re making the best decision for your financial future.
How do I choose the right type of annuity?

Choosing the right annuity depends on your financial goals. For guaranteed lifetime income, a lifetime annuity may be a great option. If you’re looking for more control and flexibility with your payments, a deferred or fixed annuity might suit your needs. Our team will guide you in selecting the best annuity based on your retirement plans.