Insurance & Survivorship Services

Insurance is about risk. Risk is the exposure to the possibility of loss. Risk can be assumed, ignored or transferred to a risk bearer. We analyze your current situation and recommend appropriate products and strategies to help you plan in advance for the future well-being of your family and business.

Life Insurance with Living benefits

Worthington Financial Partners offers a more flexible alternative to traditional life insurance. This approach allows policyholders to access funds from their death benefit while still alive—particularly useful during critical illness, chronic conditions, or long-term care needs—helping cover medical costs, daily living expenses, or care not covered by health insurance. Policies can be customized with optional riders (e.g., for chronic or terminal illness), and may also include features like return-of-premium or borrowing options. It’s a comprehensive financial tool designed to provide support both during life and beyond, offering peace of mind for the present and future.

Whole Life Insurance

Worthington Financial Partners offers tailored whole life insurance plans designed to deliver lifelong financial security. These policies ensure fixed premium payments, a guaranteed death benefit, and steady cash value growth, making them a stable foundation for your financial planning and estate strategy.

 

Retirement Plans/Asset Accumulation1

Are you retired or thinking about retirement? We can provide access to full services for qualified retirement plans, including plan design and administration, help you to determine how to best receive your retirement benefits, as well as advise you on how to allocate those assets to help protect your financial well-being.

 

Asset Management Services

If you desire a more structured investment plan, we offer Asset Management Services. This fee-based strategic asset management program follows a thorough process of reviewing your financial and emotional objectives, designing an asset allocation model, selecting seasoned money managers, and periodic tactical rebalancing of your portfolio. Our asset management strategy seeks to improve performance at a given level of risk.

 

Income Protection in the Event of Disability2

We assist you in the design and implementation of appropriate personal and business disability insurance to help replace the flow of income during periods of sickness or following an accident.

 

Trust and Estate Planning Strategies3

Trusts can potentially be used to avoid probate or reduce estate and income taxes. They can be used to transfer assets for the protection of your children, to avoid taxation of life insurance in your estate, or keep your assets intact while paying income to someone you designate.

 

Premium Financing4

Although you may have created substantial wealth over your lifetime, you may not have the liquidity available to purchase the desired amount of life insurance to preserve your estate. Moreover, it may not be wise to sell assets to pay the life insurance premium due to the tax liability incurred. We help connect you with a premium finance lending platform to provide customized financing through a fully collateralized credit facility.

  1. Securities and investment advisory services are offered solely by Registered Representatives and Investment Adviser Representatives of Equity Services, Inc., Member FINRA/SIPC, 9515 Deereco Road, Suite 700, Timonium, MD 21093, (410) 527-1292 Worthington Financial Partners and all other companies are independent of Equity Services, Inc. unless otherwise noted.
  2. Disability and long-term care are neither underwritten nor issued by National Life Insurance Company, and are available only through representatives who are independently contracted with insurers who provide these types of coverages.
  3. The use of trusts involves complex tax rules and regulations. Consider enlisting the counsel of an estate planning professional and your legal and tax advisors prior to implementing such sophisticated strategies. The cost and availability of life insurance will depend on factors such as age, health, and the type and amount of insurance purchased.
  4. This business strategy is offered and managed by an independent third party. No National Life Group company nor anyone acting on its behalf has evaluated the strategy or the suitability of using life insurance in connection with the strategy. No National Life Group company nor anyone acting on its behalf is authorized to make any representation regarding the suitability, effectiveness or legality of the strategy. Please consult with your own advisors regarding whether this strategy is appropriate for your situation.