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Little Rock Office
1111 S. Bowman, Ste B-4
Little Rock, AR 72211
(501) 224-6666
(888) 214-3149
FAX (501) 224-0477

Conway Office
269 Hwy 65 North
Conway, AR 72032
(501) 327-4666
(888) 563-5656
FAX (501) 327-4684

Rogers Office
2894 W. Walnut Ave. Ste A
(479) 633-0505
(877) 633_0505
FAX (479) 633-9595

Sherwood Office
8210 Hwy 107 (JFK)
Sherwood, AR 72120
(501) 392-0300
(866) 861-8368
FAX (501) 392-0302

Can I buy life insurance on someone else's life?
You may if you have an insurable interest in that person's life. Generally speaking, you have an insurable interest in your spouse, child, parent, business partner, or someone who owes you money.

Who can I name as beneficiary of my life insurance policy?
Basically, you can name any person or organization as a beneficiary. Some people name a church or college or some other philanthropic organization they would like to support. Usually, however, a spouse, child or other family member is named as beneficiary.

What is a Contingent Beneficiary?
A contingent beneficiary is named to receive the proceeds of your life insurance policy in the event the primary beneficiary is no longer living. Married couples with children usually name the spouse as primary beneficiary and the children as contingent beneficiaries.

Will my beneficiary have to pay income tax on the death benefit?
No, life insurance proceeds are not taxable for income tax purposes.

Is my life insurance policy affected by my will? Does it have to be probated with my estate?
No, life insurance proceeds pass directly to your beneficiary outside the scope of your estate. Life insurance proceeds are added to your estate for the purpose of determining any Estate Tax owed. However, the IRS says that only the top two percent of persons in the United States are subject to Estate Tax.

Can I sell my life insurance policy?
Viatical settlements do allow you to sell your policy. We recommend extreme care in this matter. Be sure you have checked the background on any company who offers to purchase your life insurance policy. For more information about viatical settlements, click here to download a pdf format brochure produced by the Arkansas Insurance Department.