Secured First Financial of Texas

Secured First Financial is an independent insurance agency

My name is Joel Fuessel, I am an independent insurance broker with Secured First Financial of Texas. I offer life insurance, mortgage protection insurance, and retirement annuities in Waco, Temple, Killeen, Texas and surrounding areas. We have agents in Dallas, Fort Worth, San Angelo and other areas of Texas. We act as a broker and our goal is to find the best top rated companies, options, and pricing available for you. Let us do the work for you.

We know that as your family and assets grow so does your risk. This is why we offer mortgage protection solutions that pay off your home in the event of your death. Our life insurance solutions can provide money to your family to cover any debts, funeral, money for college for your children, and even replace income that will be lost to your family in the event of your death. When it comes to retirement, we offer retirement solutions such as annuities that guarantee your premiums and interest against loss due to market declines but still offer the potential of crediting intersted based in-part on a market index.(1)

Let us help you with your mortgage protection, life insurance, and retirement needs. Get life insurance in Waco, Texas today!

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Secured First Financial offers the following solutions:

Mortgage Protection

Our solutions for mortgage protection may provide the following benefits:

Pays off your home in the event of your death directly to your fmaily
Pays monthly income, directly to you, in the event of Disability
Pays funds, directly to you, in the event of a qualifying Terminal, Chronic or Critical illness (2)
Pays a Refund of all Premiums at the end of your mortgage.

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Life Insurance

Mortgage Protection

We offer many different types of life insurance:

Non Medical Life Insurance/No Exam
Term Life Insurance/No Medical Term Insurance
Whole Life Insurace/Final Expense Life Insurance
Guaranteed Issue Coverage Life Insurance
Indexed Universal Life Insurance
No Lapse Universal Life
Life insurance with living benefits.

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Retirement

Mortgage Protection

Retirement

We offer the following types of Annuities:

Fixed Annuities
Indexed Annuities/Accumulation Annuities
Income Annuities (Provides an yearly income that you can't out live

When it comes to retirement, we focus on retirement solutions such as annuities that guarantee your premiums and interest against loss due to market declines but still offer t

We offer the following types of Annuities:

Fixed Annuities
Indexed Annuities/Accumulation Annuities
Income Annuities (Provides an yearly income that you can't out live

When it comes to retirement, we focus on retirement solutions such as annuities that guarantee your premiums and interest against loss due to market declines but still offer the potential of crediting interest based in-part on a market index (1).

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Disclosures

1 - Assuming no withdrawals during the withdrawal charge period. Rider charges continue to be deducted regardless of whether interest is credited. Unlike traditional fixed annuities, the policy owner of a fixed indexed annuity may receive zero interest for a single period on a specific premium payment if the index performs poorly. However, with most designs, the premiums are protected and guaranteed to grow over time, and the owner of a fixed indexed annuity may experience better interest crediting than a traditional fixed annuity during periods when the market performs well. Indexed annuities do not directly participate in any stock or equity investments. An investment cannot be made directly into an index. Most FIAs permit owners to participate in only a stated percentage of an increase in an index, and also impose a "cap rate" that represents the maximum annual account value percentage increase allowed to contract owners. Annuities have surrender charges that are assessed during the early years of the contract if the contract owner surrenders the annuity. In addition, withdraws prior to age 59 1/2 may be subject to a 10% Federal Tax Penalty. The guarantees of annuity contracts are contingent on the claims-paying ability of the issuing insurance company. Back to previous section

2. Living benefits are provided by no additional premium accelerated benefit riders. Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event, may affect your eligibility for public assistance programs, and may reduce or eliminate other policy and rider benefits. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you. Back to previous section

We Offer Life Insurance in Waco, Texas and surrounding areas

Some Of The Companies We Represent

Secured First Financial is an independent insurance agency

Awards & Recognition

A Quick Word From Joel Fuessel

Secured First Financial offers the following solutions:

Mortgage Protection

Mortgage Protection

Mortgage Protection

Life Insurance

Mortgage Protection

Mortgage Protection

Retirement

Mortgage Protection

Retirement

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