Life Insurance Planning

At Majestic Wealth Builders, life insurance is not treated as a standalone product. It is a foundational planning tool, strategically integrated into broader financial, retirement, and investment strategies.

We design and implement life insurance solutions to help protect families, support long-term goals, and create stability across different stages of life. Depending on client objectives and suitability, this may include insurance-only strategies or insurance coordinated with securities-based planning.

Types of Life Insurance We Implement

Term Life Insurance

Designed for temporary protection needs such as:

• Income replacement
• Mortgage and debt protection
• Family security during working years
• Business loan protection

Permanent Life Insurance

Including:

• Whole Life
• Indexed Universal Life (IUL)
• Guaranteed Universal Life (GUL)

Used for:

• Lifetime protection
• Long-term planning
• Liquidity needs
• Legacy and estate coordination

Variable & Variable Indexed Life Insurance (Securities-Based)

Implemented throughFairport Capital Inc. , these solutions combine permanent life insurancewithmarket-based investment components.

Often used by:

• High-income professionals
• Business owners
• Long-term planners
• Clients who understand market risk and policy management

Variable life insurance involves investment risk, including possible loss of principal. Policy performance and fees vary by product.

How Life Insurance Fits Into a Broader Strategy

Life insurance may be coordinated with:

• Retirement income planning
• Annuity strategies
• Investment portfolios
• 401(k) and business planning
• Estate and succession planning

This integrated approach helps reduce gaps, overlaps, and inefficiencies.

Compliance Note:

Insurance products are not securities and are not offered through Fairport Capital Inc. Variable life insurance products are securities and involve investment risk, including possible loss of principal.