Products & Services

SERVICES OVERVIEW

Lotus Financial Services offers a full range of comprehensive wealth coaching, financial planning, retirement income planning, and investment and insurance services. We work with each client in a unique way based on their needs, preferences and best interest using our comprehensive Wealth Optimization System

Financial Planning & Strategies

  • Personal Planning
  • College Planning
  • Retirement Planning
  • Tax Strategies
  • Business Planning
  • Will & Trust, Estate Planning

Life Insurance

  • Term Insurance
  • Whole Life
  • Universal Life
  • Indexed Universal Life

Protection Products

  • Annuities
  • 401(k) Rollover
  • 401(k) Planning
  • 403(b) Planning
  • Workplace/Group Benefits
  • Long Term Care & Disability
  • Health Insurance
  • Medicare

Investments

  • Stocks
  • Bonds
  • Exchange Traded Funds
  • Real Estate

Lotus Financial Products

Term Life

Term life insurance is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term. Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the term life insurance policy to terminate. These policies have no value other than the guaranteed death benefit and feature no savings component found in like other life insurance products. Insurance premiums are based on a person’s age, health, and life expectancy.

Guaranteed Universal Life

The clients can pay premiums for a specified number of years to guarantee their life insurance through a specified age.The premium payment period is flexible and the policy can be guaranteed up to lifetime. If premium payments are made on time, policy coverage will not affected by interest fluctuation.

Index Universal Life Plus Living Benefits

This type of insurance can flexibly adjust the premium and payment period. The insurance company credits interest based on the performance of one or more selected indices. In addition to cash value accumulation, these products also provide clients with Living Benefits like Critical, Chronic and Terminal illness riders.

Traditional Whole Life

This products has guaranteed cash value and death benefit. The insurancce company distributes annual dividends or interest based on the company’s performance and dividends or interest can be accumulated. Few company offers Whole Life with a stable dividend history.


Index Universal Life

Clients have the flexibility to adjust their premium and payment period. Index Universal Life accumulates cash value interest based on the performance of selected indices or strategies. Few companies offers a very popular global indices with Index Universal Life products. Global indices gives an option for diversification and cushion in market fluctuation.

Guaranteed Index Universal Life

This product can flexibly adjust the premium and payment period. The insurance company credits interest based on the performance of one or more selected indices. Even when the index interest rate is not favorable, the policy death benefit is guaranteed.