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What We Offer

We focus on providing financial-related services, including Life and Health Insurance, Retirement Planning, Long Term Care, and Credit Repair/Building.

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It's Always Better to Be Insured

 Most Heads of Households want to ensure that their family is well taken care of when they’re gone, by getting themselves insured. Talk to us at INCREASE and PROSPERS CONSULTANT SERVICES on getting a life insurance package fit for your needs.

Universal/Whole/Child Life Insurance

We can access many different insurance products from ages 0–85, so you can get the right policy for you and your family. Universal life insurance is a type of permanent life insurance. It can cover you for the duration of your life, as long as the premiums are paid. Some forms of universal life insurance also offer a cash value component. The cash value can build up investment gains. You can take money out of cash value via a withdrawal or loan. Whole life insurance is available for ages 0–85. No medical exams are required. Child life insurance covers the life of a minor and is typically purchased by a parent or grandparent. In general, these policies are whole life products — a type of permanent life insurance. This means coverage lasts for the child's entire life, as long as the premiums are paid.

Term Life Insurance and Return of Premium (ROP)

A contract between you and an insurance company that lasts for a specific period of time, such as 10,20, 25, or 30 years or until you reach age 65. ROP Term Life Insurance Policy (based on eligibility) offers a specified level premium payment term, and if you outlive that level premium payment period, you'll get all the policy premiums you've paid back at the end of the term.

Mortgage Protection Insurance

If one of the breadwinners becomes disabled or dies, a life insurance payout can help the family keep up with mortgage payments and stay in the home.

Final Expense Insurance

Whole life insurance is available for ages 0–85. No medical exams are required. Guaranteed premiums and lifelong coverage. Cash value options are also available. Premiums never increase.


Fixed index annuities are an efficient way to generate income. When Social Security benefits and/or pensions can’t provide enough income, this is one product that offers an optional guaranteed lifetime income stream by turning 401(k) or IRA dollars into an income stream you can’t outlive.

Credit Repair

When you have a low credit score, you can expect higher interests. Fix your credit with help from us at INCREASE and PROSPERS CONSULTANT SERVICES.

Click on the link below to book an appointment: