Products & Services

At Great Northern Financial, we’re committed to delivering a unique, industry-leading financial experience designed specifically for you. By collaborating with over 20 A-rated financial firms, we provide access to an array of tailored solutions—so you don’t have to settle for “one size fits all" or have to worry about shopping around on your own.

We believe in smart, sustainable growth. That’s why we integrate insurance-based financial products into our offerings—so you can benefit from protection and performance in harmony. Whether your goal is preservation, income, growth, or risk mitigation, we’ll create a plan that fits your life, your values, and your long-term vision.

Core Solutions

Personal Solutions

Indexed Universal Life

No risk of loss. Thanks to guaranteed floors (never less than 0%), your cash value will never decline due to negative market performance.
Market-linked returns. You participate in market gains via a market index (e.g. S&P 500), subject to caps and participation rates.
Lifelong protection plus growth. You retain a death benefit for life, which can be borrowed against tax-free as a retirement income supplement, and could even be tapped into for other long-term needs such as chronic illness or long-term care, based on riders.
Flexibility & liquidity. Contribution options are flexible to meet every budget, and your cash value is accessible when you need it, without age restrictions or waiting periods.*

Fixed Indexed Annuity

No risk of loss. Even if the market dips, your account value won’t fall backward. The floor ensures you won't lose principal or credited gains.
Participation in market-based positive performance. When the indexed benchmark rises, you receive credited interest, up to a specified cap or participation limit.
Flexible income deferral. You choose when to start taking income, allowing your gains to compound during deferral.
Tax-deferral on growth. Your earnings accumulate without being taxed year to year — you only pay taxes when you begin withdrawals.
Guaranteed lifetime income rider. Options available to guarantee a lifetime income stream, similar to a pension or Social Security.

*Policy must have sufficient accumulated cash value to borrow from.

Business Solutions

Business Continuity / Succession Plan

Buy-sell agreements. If a partner passes (or becomes disabled, in some cases), the death benefit provides liquidity so the remaining owner(s) can buy out their share—without having to sell off parts of the business or take on debt.
Key person insurance. Protects the business financially if a critical leader or employee passes, helping cover replacement, lost revenue, or operational instability.

Enhanced Cash Flow & Asset Protection

Flexible contributions. Because premiums can be flexible, business owners can increase the premium contributions during strong financial years and scale back when cash flow is tighter.
Additional source of capital. Flexible cash value access can provide funding for expansion, emergency funding, and providing a safety net when things aren't going as expected.
Protection from creditors.* In some jurisdictions or under certain policy structures, some or all of the accumulated value or death benefit may receive protection from creditors.

Personal Retirement Plan

Tax-advantaged access. While the growth in the policy itself is tax-deferred, as long as the account stays active, loans and withdrawals remain tax-free.
No firm contribution limits. Each policy is structured specifically for each person we work with, meaning the contribution limits are handled on a case-by-case basis to fit individual needs.
Market-linked growth. When your chosen index performs well, your cash value increases, up to specified caps and participation rates.
100% principal and accumulation security. When the market dips, built-in floors prevent your principal and accumulated gains from decreasing in value.

*Not available in all states or locales. Check with your Financial Professional for more information.

Family Solutions

Juvenile Indexed Universal Life

Guaranteed protection against loss. Even if the underlying index dips, your cash value won’t drop below 0%, so you don’t lose money from market downturns.
Upside tied to market performance. You and your child benefit when indices perform well, up to cap and participation terms, capturing growth without bearing market risk.
Flexible access to funds. When it's time for tuition, room & board, or other education expenses, you can leverage policy loans or withdrawals without spending restrictions.
Integral support and protection. While it builds value for education or other life events, the policy also provides a lifelong death benefit.

Term Life

Mortgage & debt protection. If you pass away during the policy term, the death benefit can pay off your mortgage, car loans, credit cards, or other debts, relieving your family of those burdens and helping them stay in the home.
Income replacement for spouse and kids. The benefit can act as an income replacement, helping your surviving spouse cover living expenses, childcare, education costs, and more.
Affordable and flexible supplemental coverage. Term life tends to be significantly more affordable than permanent policies, making it a great option to layer on additional protection for as long as it’s needed.
Convertibility and optional riders. Many term policies offer conversion options (to permanent coverage) or add-on riders like child term, disability waiver, or accelerated benefits, so your coverage can adapt as your life evolves.

Fixed Indexed Annuity

Principal protection with upside potential. Your money grows based on the performance of a market index (with caps/participation rates), and you’ll never lose due to negative market swings thanks to guaranteed floors.
Tax-deferred growth. Earnings accumulate without immediate income taxes, letting compound interest work more efficiently and increasing what can be passed on.
Built-in death benefits. If you pass away before the annuity’s income phase begins—or sometimes even after—beneficiaries typically receive the accumulated value or a guaranteed death benefit.
Optional riders for added legacy protection. Many FIAs include or offer optional riders that enhance the death benefit, increase income later in life, or offer special protections, giving you more control.
Avoiding probate and simplifying transfer. Because annuities are insurance contracts, in many cases the death benefit passes directly to named beneficiaries—potentially avoiding probate and easing the administrative burden on your heirs.

Other Services

Life Insurance

Whether for debt protection, leaving a legacy, cash value growth, or any other reason, we work with 20+ A-rated carriers to find the best coverage and lowest rates for you.

Rollovers

Transfer an existing 401(k), 403(b) or other employer-sponsored plan, or an existing annuity, to your own account.

Budgeting

Struggling to balance bills, savings, and expenses? We’ll help you create a budget that fits your lifestyle—no judgment, just practical advice to keep you on track.

Complimentary Policy Review

We're happy to take a look at an existing policy, either from a work policy or personal. If we're able to increase your benefits for the same rates you've got, we will! If not, we'll let you know!

And More!

Annuities

If you’re working to lock in lifetime income, grow your savings tax-deferred, or ensure something meaningful is left for loved ones, we’re here to help you navigate the options and find the annuity that fits you.

Long-Term Care

Available as a standalone plan or as a rider on an existing life insurance policy or annuity.

Financial Consultation

Not sure if you're making the right financial moves? Let’s chat about your goals and explore simple strategies to grow, protect, and manage your money with confidence.

Final Expense

If you don’t yet have life insurance, a final expense policy can offer lifetime coverage with fixed premiums and a death benefit to cover funeral, burial and other end-of-life costs, helping ensure your loved ones aren’t left with a financial burden.

Connect with us!

Products & Services

Core Solutions

Personal Solutions

Indexed Universal Life

Fixed Indexed Annuity

*Policy must have sufficient accumulated cash value to borrow from.

Other Services

Whether for debt protection, leaving a legacy, cash value growth, or any other reason, we work with 20+ A-rated carriers to find the best coverage and lowest rates for you.

Transfer an existing 401(k), 403(b) or other employer-sponsored plan, or an existing annuity, to your own account.

Struggling to balance bills, savings, and expenses? We’ll help you create a budget that fits your lifestyle—no judgment, just practical advice to keep you on track.

We're happy to take a look at an existing policy, either from a work policy or personal. If we're able to increase your benefits for the same rates you've got, we will! If not, we'll let you know!

If you’re working to lock in lifetime income, grow your savings tax-deferred, or ensure something meaningful is left for loved ones, we’re here to help you navigate the options and find the annuity that fits you.

Available as a standalone plan or as a rider on an existing life insurance policy or annuity.

Not sure if you're making the right financial moves? Let’s chat about your goals and explore simple strategies to grow, protect, and manage your money with confidence.

If you don’t yet have life insurance, a final expense policy can offer lifetime coverage with fixed premiums and a death benefit to cover funeral, burial and other end-of-life costs, helping ensure your loved ones aren’t left with a financial burden.

Great Northern Financial Insurance Group, LLC

Great Northern Financial
Insurance Group, LLC