A conversation about
your family’s future.
For the gun & outdoor community
Prepared. Protected. Covered.
For the friends, the family and the life you love. Bring your sense of preparation home.
Explore life insurance, final-expense coverage and retirement conversations with Joe Cardenas at Novus Life Solutions. A straightforward conversation about the people you love, your priorities and coverage that may fit.
Prefer to plan ahead? Book a conversation →
Make room for the moments that matter.
Different adventures. The same priorities.
Responsible training. Family first.
Who protects them when you’re no longer here?
Preparing for your family’s financial future is another conversation worth having. Talk with Joe about ordinary life insurance and what your loved ones may need.
Life insurance & retirement options
Explore the products Novus offers with Joe. Start with your family, your budget and what you want to prepare for — then compare the details.
Coverage for a set period. It can help protect loved ones during years of income, mortgage or family responsibilities if a covered death occurs while the policy is in force.
Coverage ends with the term unless continued under the policy’s renewal or conversion provisions.
Permanent life insurance designed for lifelong protection, with cash value, when required premiums are paid and policy conditions are met.
Review the premium commitment and how loans or withdrawals could affect policy values and benefits.
Permanent life insurance with cash-value interest linked to an index formula, subject to caps, participation rates and other policy terms. Fees and insurance charges affect value.
It is not direct stock-market investing or a promise of retirement returns. Adequate funding is needed to keep coverage in force.
Life insurance intended to help loved ones with funeral costs and other final expenses when a covered benefit is paid.
Plan for final expenses →Life insurance selected to help loved ones manage mortgage costs after a covered death. Match the benefit and coverage period to your family’s needs.
This is not lender-protecting PMI, and it does not guarantee that your mortgage will be paid off.
Separate insurance contracts that may provide retirement income under their terms. Review suitability, costs and access to your money.
Explore retirement planning →Availability varies by product, insurer and state. Eligibility, underwriting, policy or contract terms, and suitability requirements apply. Not every option fits every person.
Understand your options
Living benefits
Some eligible life insurance policies or riders may let you access part of the death benefit while you’re living if you meet the contract’s requirements for a qualifying illness.
Ask which conditions qualify and how benefits are calculated. Definitions, availability, fees and limits vary. Using a benefit can reduce the death benefit and policy value.
A living-benefit rider is not automatically long-term care insurance. Not every illness or policy qualifies.
Ask Joe about living benefits →Simplified issue
Simplified-issue life insurance may not require a medical exam. You may still answer health questions, and the insurer may review records to determine eligibility.
It is not the same as guaranteed issue, and approval is not automatic. Costs, available coverage and underwriting requirements vary by insurer and policy.
Ask when full benefits begin and whether waiting periods or graded benefits apply. A simpler application does not promise immediate full coverage.
Discuss application options →Joe can help you check which options, if any, fit your situation and are available in your state.
Final-expense coverage
Give your loved ones room to grieve, with a plan for the expenses that may follow.
Families turn to their communities in difficult moments. There’s no shame in asking for help. Planning ahead for funeral costs and other final expenses can help reduce the financial burden on the people you love.
Final-expense coverage is life insurance intended to help with these costs when a covered death benefit is paid. Start with a benefit amount and ongoing premium that fit your needs and budget.
Approval and immediate full coverage are not guaranteed. Benefits depend on policy terms and keeping required premiums paid. A policy may not cover every expense or eliminate a family’s need for support.
Annuities · A retirement conversation
Picture a slower morning, a familiar river and time with your favorite person. Then talk through the financial resources your retirement may need.
Life insurance primarily helps protect beneficiaries after a covered death. An annuity is a separate contract with an insurance company that may provide income during retirement, depending on its terms.
Annuities are not right for everyone. Consider your goals, available savings and need for access to your money. Review costs, fees, surrender charges, withdrawal restrictions, risks and income options before deciding.
More time for the things you love.
No investment return or lifestyle is promised. Product availability and suitability vary. Any contractual guarantees depend on the issuing insurer’s claims-paying ability.
Background: AI-generated illustration of an older couple fly-fishing beside a mountain river. Not actual clients or a financial outcome.
A clear place to start
01 · Talk
Family protection, final expenses or retirement — start with the question on your mind.
02 · Review
Review existing policies, available options, costs and limitations. Ask questions at your pace.
03 · Decide
Take time to understand any proposal. A conversation does not obligate you to buy a policy or annuity.
Start with a conversation
Tell Joe what you want to protect. Review your existing coverage or explore available options, including costs, eligibility and policy limitations, before deciding.
Book a conversationThis page introduces ordinary life insurance, final-expense coverage and annuities for retirement planning. It does not offer firearm liability, legal-defense, off-road vehicle or specialized adventure coverage. Coverage for a particular activity or cause of death is not guaranteed. Coverage is subject to policy terms, exclusions, eligibility and state availability. Annuities have separate contract terms, costs, risks and restrictions; they are not substitutes for life insurance.
Novus Life Solutions does not claim affiliation with or endorsement by a gun club, range, outdoor club or recreation organization.
