Forrest's LifeGuard Assurance

04/18/2026

Theslsway.com/fgibson

04/17/2026

Hey I know that guy! 😁😁

03/06/2026

Well I am getting 2 new states where I can help people in need involving life insurance! North Carolina and Pennsylvania! So if you know anyone in those states get'em to call me. I'll do everything I can to help them!

02/21/2026

Love both of them they were wonderful actors, but where were their life insurance policies or investments? Please don't allow this to happen to your family! I am a life insurance agent I sale Term and whole life policies please contact me.

01/09/2026

🔥 Locked in all month long! Major shoutout to our Teams of the Month for staying disciplined, driven, and results-focused. Winning together hits different! 🚀

01/06/2026

12/20/2025

So a lot of people has been wondering about the difference between certain life insurance policies such as:

TERM
Build cash value: NO (some policies offer a return of premium on expiration - for a higher premium such as my Term policies)
Description: Level death benefit. Premium increases over time. Lowest out-of-pocket cost in early years per dollar of death benefit. High lifetime cost if you live to life expectancy. Ideal for young adults.
Permanent? NO. Expires at end of term. Recommend getting a guaranteed renewable policy. Some policies are guaranteed convertible. That is, you can convert your policy to a permanent policy without having to go through medical underwriting.

SINGLE PREMIUM LIFE
Build cash value: Yes. You can withdraw cash value whenever you like. However, when you do, your death benefit will be reduced accordingly.
Description: Funded with single premium payment for large death benefit. No further premiums required. Cash value earns interest and possibly dividends.
Permanent? Yes. Some single-premium policies are hybrid life/long-term care policies. That is, they also pay a benefit if you need long-term care.

WHOLE LIFE INSURANCE
Build cash value: Yes
Description: Guaranteed level death benefit. Guaranteed level premium for life, or guaranteed paid up after a certain age (65 is common).
Permanent? Yes. Though when cash value reaches death benefit, the death benefit is forwarded to the insured. Usually at age 120.

UNIVERSAL LIFE
Builds cash value: Yes
Description: Flexible premium, fixed returns on cash value. Variable death benefit.
Permanent? Yes. Needs careful monitoring to ensure the policy doesn't lapse.

VARIABLE UNIVERSAL LIFE
Builds cash value: Yes
Description: Flexible premium. Variable cash value based on performance of subaccounts you select.
Permanent? Yes. Needs careful monitoring to ensure the policy doesn't lapse. This is the riskiest of the life insurance types.

EQUITY-INDEXED UNIVERSAL LIFE
Builds cash value: Yes
Description: Flexible premium. Cash value varies, but cannot go down in value due to market losses. Caps on cash value upside growth.
Permanent? Yes. Less risky than VUL, above, but more complicated to understand.

12/19/2025

If anyone has any questions about Life insurance please give me a call regardless if you buy or not I want to help. I've seen a lot of people taken advantage of and I was raised better than that so please call me! I sale Term and Whole life policies! Also this is for the younger folks life insurance is not just for the older folk! Younger folks have more to protect please call me too!

10/22/2025

Theslsway.com/fgibson

10/01/2025

Hey I know him! 😁😁