Life Insurance- "Protect What Matters Most to You!"

Term vs. Permanent Life Insurance

Life Never Quits

You Need a Solution for Today and Tomorrow

Life Insurance should…

  • Be in your budget.
  • Provide Living Benefits.
  • Provide a Death Benefit.
  • Minimize or Eliminate Tax Liabilities.

Life Insurance can…

  • Be used a retirement supplement like a 401k.
  • Provide downside market protection unlike a 401k.
  • Allow access to cash value without tax consequences before 59 unlike a 401k.
  • Allow access to cash value college funding, car, house, wedding, etc.
  • Used to secure business loan.
  • Accelerate death benefit or access cash value to pay for medical needs, long-term care.
  • Leave legacy for a child with special needs.
  • Much more!

Things to Consider

Most People Don’t Pass Away Suddenly. There is usually a costly medical event.


  • 7 and 10 Americans over the age of 65 will need long-term care for an average of three years.
  • 47% of working caregivers indicate that an increase in caregiving expenses has caused them to use up all or most of their savings.
  • 1 in 5 American adults will struggle to pay medical bills this year.
  • 3 in 5 bankruptcies are due to medical bills.
  • 25 million- To save costs, over 25 million adults will not take prescription drugs indicated, including skipping doses, taking less medicine than prescribed or delaying refill.

Other Life Events That Can Threaten Retirement Savings

  1. Children or Parents Need Support (Medical Issues, Divorce, Bankruptcy, Legal Troubles, Debt, etc.)
  2. Taxes
  3. Medicare nor private health insurance covers long-term care.

* Nursing Home Cost for a Private Room- $7,500 per month or $90,000 per year 

* Assisted Living Facility- $3,600 per month or $43,200 per year

* Home Health Aide (Certified) - $20 per hour

Index Universal Life

Retirement Protection

Retirement Supplement

Mortgage Protection

College Funding

Business Solutions

And More!

Living Benefits

You should not have to die to benefit from life insurance!

Contact Us

For More Information or Quote

Growth Management Group of the Carolinas, LLC

3832 Highway 49 S., Suite B., Harrisburg, NC 28075

(980) 219-7880 or (704) 572-0311