Our Products

Private Pension & Annuities

We help clients convert savings into reliable retirement income using Private Pensions, Annuities, and properly structured 401(k) rollovers. A private pension creates predictable, long-term income you can’t outlive.

Annuities add stability with Zero-Floor protection, so market drops don’t wipe out your principal while still allowing growth potential. And with a smart 401(k) rollover, we help reduce market risk, improve income planning, and position assets for Tax-Free or Tax-Advantaged distribution where possible.

The goal is simple: replace paychecks with dependable income, protect what you’ve built, and keep more of your money working for you—not the IRS.

Tax - Free Income

Index Universal Life (IUL) is a powerful tool for building Tax-Free retirement income while protecting your downside. It offers market-linked growth potential without direct market risk, so when the market drops, your cash value doesn’t.

Over time, it can create a flexible pool of Tax-Advantaged income you can use in retirement, for opportunities, or for emergencies—while also providing permanent life insurance protection for your family or legacy. Done right, IUL gives you growth, protection, and income in one strategy.

Term and Permanent Life Insurance

We offer both Term Life and Whole Life coverage to protect your family, income, and long-term plans. Term Life provides affordable protection for critical years like raising children, paying off a mortgage, or building a business.

Whole Life offers permanent coverage with guaranteed benefits and cash value that can support Tax-Advantaged planning, legacy goals, or future income needs.

The right coverage isn’t about selling a policy—it’s about making sure the people you love and the wealth you’re building are protected no matter what happens.

Long -Term Care
Turtle Rock Financial

Long-Term Care is one of the biggest financial risks retirees face, yet it’s often overlooked until it’s too late. Without proper planning, the cost of extended care can quickly erode savings and disrupt retirement income.

We help clients put strategies in place to protect their assets and cash flow—whether care is needed at home, in assisted living, or in a skilled nursing facility.

Using modern solutions, including coverage that can be integrated with life insurance or annuities, we design plans that preserve independence, protect loved ones from financial and caregiving burdens, and help keep retirement and legacy goals intact.

This isn’t about fear, it’s about maintaining control, dignity, and financial stability for the years ahead.

Final Expense Insurance (GIWL)

At Turtle Rock Financial, Financial Professional Daryl Horton helps individuals secure simple, permanent life insurance designed to help cover final expenses and protect loved ones from financial stress. Final Protection, also known as Guaranteed Issue Whole Life (GIWL), offers guaranteed acceptance with no health questions and no medical exams, making approval fast and straightforward.

Coverage is available for ages 50–80, with benefit amounts from $5,000 to $25,000. This permanent life insurance stays in place for life and may build a small Tax Advantage cash value component while focusing on protection and legacy support.