Life Insurance with
Protect your loved ones and your future. Get insured for life, illness, and longevity—with benefits you don’t have to die to use.
LIC. California Agent #OA86988 — Also licensed in other states.
Who We Are
We are a financial brokerage that takes a different approach to helping people with their financial needs. Life insurance you don’t have to die to use, and investments where you don’t take the risk to gain — using index strategies.
Our Mission
We believe in transforming lives through opportunity and empowerment. We disrupt the status quo by simplifying financial services through life insurance you don’t have to die to use. No matter your background or experience, our mentorship program is designed to help you unlock your full potential. If you're coachable, available, and hardworking—your future starts here.
Our Services
Life Insurance with Living Benefits
Most people know life insurance offers a death benefit to protect your family or business in the event of your passing. But did you know some policies offer benefits while you're still alive? Our life insurance with living benefits covers you if you die too soon, live too long, or face critical illness. In many states, these benefits can provide financial support if you're diagnosed with a chronic, critical, or terminal illness.
If you're concerned about outliving your money, certain permanent life insurance plans (when sufficiently funded) may build cash value over time. This cash value can potentially be used through loans or withdrawals to supplement your retirement income**. Whether you're protecting your family or planning for your future—we're here to help you gain peace of mind.
* Living benefits are provided by no-additional-premium accelerated benefit riders. Payment of Accelerated Benefits reduces the cash value and death benefit. It may be taxable, affect public assistance eligibility, and impact other policy features. Please consult a tax advisor and social services before use.
** Using life insurance for retirement assumes a need for death benefit protection. Policy performance, additional premium funding, and loan usage affect available cash value. Withdrawals and loans reduce cash value and death benefit and may result in taxable events. Early surrender may result in surrender charges.
Proprietary Product
Living Life Defender IUL
A permanent life insurance plan that combines protection and cash value growth. Designed exclusively for PFA and issued by Life Insurance Company of the Southwest®, part of National Life Group®.
We Also Offer
Other Financial Products
Term Life Insurance
Affordable coverage for a set period, with optional riders for access to benefits during certain health events.
Annuities
Fixed indexed annuities offer growth linked to an index without market risk, plus potential for higher guaranteed income.
Whole Life & Universal Life
Permanent coverage with cash value. Riders let you access part of your benefit while alive under qualifying conditions.
Business Opportunity
Earn while you learn. If you’re seeking more in life or want to launch a remote financial business, discover how our platform can help you succeed.
Watch the videos below or complete the form to get started.
Living Benefits
This is why she trained for a fifth Olympics
She Never Gave Up: Basim and Nydia's Living Benefits Story
Retirement Benefits
Retirement Risk Zone
Guaranteed Lifetime Income Rider (GLIR)
RK Financial Insurance Group INC
Living Benefits
Business Opportunity
3044 S Adrienne Dr,
West Covina, CA 91792