Life Insurance & Retirement Strategies

Protecting Human Capital

and

Financial Capital

About us…

At Middle America Financial we are a broker agency made up of independent agents across the US. We are contracted through Family First Life and are considered an Insurance Marketing Organization (IMO), representing over 40 different insurance carriers. We do not only have one product we have hundreds of products. No matter what your situation you find yourself in, we have a product to help protect your loved ones. Our agents have a service mindset and understand the value of life insurance as well as the impact it will have on you and your family. They help provide stability and security to your family when you’re gone.
Our agents are located across the United States.

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Francis LoGiudice

Agency Owner

Our Services

Personal Pension Program

Build a retirement strategy designed to create tax-advantaged income while helping protect the people who matter most. Our Personal Pension Program uses properly structured life insurance strategies to help eligible clients accumulate cash value, reduce exposure to market losses, and create a potential source of tax-free retirement income through policy loans and withdrawals. The strategy is customized around your age, goals, contribution level, health and retirement timeline.

Index Universal Life

Indexed Universal Life (IUL) insurance combines permanent life insurance protection with the potential to build cash value over time. Interest credited to the policy can be linked to the performance of a market index, while the cash value is not directly invested in the stock market. Properly structured IUL policies may provide downside protection from negative index performance, tax-deferred cash value growth, access to policy values, living benefits, and the potential for tax-advantaged retirement income through policy loans and withdrawals.

Fixed Index Annuities

Fixed Indexed Annuities can help protect a portion of your retirement savings from market losses while providing the opportunity for interest based in part on the performance of a market index. Depending on the annuity selected, these products may also provide guaranteed lifetime income, tax-deferred growth, and options for protecting a spouse or beneficiaries. We help clients evaluate available annuity strategies based on their retirement timeline, income needs, risk tolerance, and long-term financial goals.

Term Life Insurance

Term Life Insurance provides affordable protection for a specific period of time and can help replace income if the unexpected happens. Coverage can be designed to help your family pay the mortgage, everyday living expenses, debts, education costs, and other financial obligations. We help clients determine an appropriate amount of coverage and term length based on their income, family responsibilities, outstanding debts, budget, and long-term financial goals.

Whole Life Insurance

Whole Life Insurance provides permanent life insurance protection designed to remain in force for your lifetime as long as required premiums are paid. In addition to a guaranteed death benefit, whole life policies can build cash value over time that may be accessed for future financial needs. We help clients determine whether whole life insurance fits their goals for family protection, final expenses, legacy planning, cash value accumulation, and long-term financial security.

Tax Mitigation

Tax Mitigation strategies focus on helping individuals, families, and business owners structure their financial plans with greater tax efficiency. Depending on your circumstances, insurance and retirement strategies may help reduce future tax exposure, create tax-advantaged income, and improve the way assets are transferred to beneficiaries. We work with clients to identify potential planning opportunities and coordinate appropriate insurance strategies with their overall financial, tax, and estate planning goals.