3 Tier System 

137 Finance offers a 3-tier system designed to cater to a diverse range of financial needs:

Tier 1: For beginner investors, offering a high-yielding savings account with an attached death benefit and optional living benefits.

Tier 2: Similar to Tier 1, replaces the savings account with an investment portfolio in the S&P 500, featuring a 2% guaranteed safety net to mitigate market volatility.

Tier 3: Includes all features of Tier 2, with the added benefit of a personalized roadmap to infinite banking. Requires an in-person consultation.

Credit Repair & Debt Solution

We help you take control of your financial reputation. Our credit repair service works to identify and challenge inaccurate or outdated items on your credit report, while guiding you on how to build positive credit habits. Whether you're aiming to qualify for a home loan, business funding, or better interest rates, improving your credit score is a critical first step—and we’re here to walk you through it.

Bank Ready-Financial Guidance

Before a bank lends you money, they want to see that you’re financially prepared. Our financial advisory service focuses on getting you “funding-ready.” We help you organize your financials, understand lending requirements, build a business or personal profile that banks trust, and map out a clear funding strategy. Whether it’s for real estate, business expansion, or personal investment, we help make sure you’re not just applying—you’re qualifying.

Term Life Insurance

Protect what matters most—affordably. Term life insurance provides financial security for your loved ones in the event of your passing during a specified period (10, 20, or 30 years). It’s a simple, cost-effective way to ensure your family can cover living expenses, debts, and future goals like college or retirement. We help you choose the right coverage and term length based on your needs and budget, so you can move forward with peace of mind.

Whole Life Insurance

Build wealth while protecting your legacy. Whole life insurance offers lifelong coverage with a guaranteed death benefit and a cash value component that grows over time. Unlike term insurance, it never expires as long as premiums are paid. It’s a powerful tool for leaving generational wealth, supplementing retirement income, or accessing funds through policy loans.

Living and Enhanced Protection Benefits:
With optional riders, your policy can do more than just pay out when you're gone—it can support you while you're still here.

• Chronic Illness Rider: If you're diagnosed with a condition that limits your ability to perform daily living activities (like eating, bathing, or dressing), you may qualify to receive a portion of your benefit early to help cover care and living expenses.

• Terminal Illness Rider: If diagnosed with a terminal illness with a limited life expectancy (typically 12–24 months), you can access part of your death benefit to reduce financial burdens during a difficult time.

• Accidental Death Benefit Rider: This rider provides an additional payout if death occurs due to a qualifying accident—offering your loved ones even more protection when the unexpected happens.

Index Universal Life Insurance (IUL)

Grow and protect your money—all in one policy. Indexed Universal Life (IUL) insurance offers flexible, lifelong coverage while allowing your cash value to grow based on the performance of major market indexes. Unlike direct investments, your money is not exposed to market losses, but you still benefit from market gains—up to a cap—with a guaranteed floor to protect your downside.

Key Benefits of an IUL:

• Market-Linked Growth with Protection: Your policy’s cash value can be tied to indexes like the S&P 500 or a Global Index, offering the potential for higher returns while shielding your money from market downturns.

• Tax-Advantaged Wealth Building: Grow your cash value tax-deferred and access funds tax-free through policy loans, when structured correctly.

• Flexible Premiums: Adjust how much and how often you pay, based on your financial goals and life changes.

• Living Benefits: Access your policy early through riders for chronic illness, terminal illness, or accidental death—providing protection when life takes an unexpected turn.

• Legacy + Liquidity: Leave behind generational wealth while maintaining access to funds during your lifetime—for retirement, investments, or emergencies.

An IUL is more than life insurance—it’s a tool for building long-term financial freedom. We’ll help you customize one to match your goals.

A Road to Retirement

Planning for retirement involves building a financial cushion that lasts. One often overlooked tool is the cash value in life insurance policies, including Indexed Universal Life (IUL) insurance.

How It Works:

• Tax-Advantaged Growth: The cash value in your policy grows tax-deferred, meaning you don’t pay taxes on the gains as they accumulate.

• Accessing Funds: You can take loans against the cash value of your policy tax-free, providing a source of funds for retirement income without the need to withdraw from traditional retirement accounts.

• Flexibility of an IUL: With an IUL, your cash value is tied to market indexes like the S&P 500 or a Global Index, allowing for growth potential while minimizing risk.

• Legacy and Security: Beyond retirement, the death benefit ensures your loved ones are protected, leaving a lasting legacy.

We’ll help you leverage your life insurance policy as a strategic part of your retirement plan, giving you both security and flexibility