Golden Years Protection: The Facts

Key facts

Coverage offered

Golden Years Protection offers 10 types of coverage, grouped below.

Main coverage

• Final Expense Insurance: A small whole life policy that can help loved ones pay for a funeral and final bills. Coverage amounts from $5,000 to $35,000 for adults ages 50 to 85. Health questions and eligibility depend on the policy.
• Term Life Insurance: Coverage for a set number of years, such as 10, 20, or 30, often used to replace income for a family.
• Whole Life Insurance: Coverage designed to last for life and build cash value, as long as the policy stays in force.

More coverage options

• Mortgage Protection Insurance: Life insurance that can help a family keep up with the mortgage if the insured person dies. The benefit goes to the beneficiaries, subject to the policy terms.
• Key Person Insurance: Life insurance a business owns on an owner or key employee, to help the business if that person dies.
• Dental, Vision & Hearing Insurance: A limited benefit policy that helps pay for dental, vision, and hearing care. Not a substitute for major medical coverage.
• Cancer Insurance: A limited benefit policy that pays a cash benefit on a covered cancer diagnosis. Not a substitute for major medical coverage.
• Critical Illness Insurance: A limited benefit policy that pays a lump-sum cash benefit on a covered critical illness diagnosis. Not a substitute for major medical coverage.

This is a supplemental insurance policy. It is not a substitute for comprehensive major medical health insurance and does not provide Medicare or Medicaid benefits. Benefits are limited to those stated in the policy.

Also available

• Indexed Universal Life (IUL): Permanent life insurance with cash value credits linked to a market index, subject to contract limits and fees. Not offered in California, Iowa, or Minnesota.
• Fixed Annuities: Insurance contracts that protect principal from market losses under their terms, with retirement income options. Other risks and restrictions remain. Not offered in California, Iowa, or Minnesota.

Indexed Universal Life Insurance involves fees and is subject to carrier terms. Cash value growth is tied to a market index but is not a direct market investment. Actual results vary. Not a bank deposit. Not FDIC insured.

Fixed annuities are insurance contracts subject to carrier terms and state availability. Withdrawals before age 59½ may incur tax penalties. Surrender charges may apply during the contract period. Not a bank deposit. Not FDIC insured.

Licensed in 40 states

Joe (NPN 21207986) is licensed to sell life insurance and annuities in these 40 states:

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin.

IUL and fixed annuities are not offered in California, Iowa, or Minnesota. Joe cannot sell coverage in a state that is not on this list.

What Golden Years Protection does not offer

• Variable annuities or any product that requires a securities license (Series 6, 63, 65, 7)
• Stocks, mutual funds, or any other security

For questions about these, Joe is not the right resource and would point you to a registered investment advisor.

Operating model

Golden Years Protection has one licensed agent, Joe. The business uses automated tools, including an AI assistant, for intake, scheduling, and follow-up. Coverage questions and applications are handled by Joe, by phone or video.

How to reach Joe

Call 682-254-1786, or use the quote form on the homepage. You can also email joe@goldenyearsprotection.net.