Our experts assess your risks and design policies that offer comprehensive coverage, ensuring you're prepared for the unexpected. Innovative products designed for Tax-Free Retirement, Debt-Free 4 Life, Mortgage Protection, College Planning, Final Expense and Senior Supplemental Coverage.


Tax-Free Retirement Accounts (TFRA) are a type of investment plan covered
under Section 7702 of the Internal Revenue Code that is designed to provide tax-free income for retirement. As such, you might hear a TFRA retirement account described as a Section 7702 plan.

A tax-free retirement account or Section 7702 plan is funded through a permanent cash value life insurance policy. Depending on how a TFRA is structured, this may be a whole life policy, or universal life insurance policy.

A TFRA is funded with after-tax dollars, similar to the way you’d fund a Roth IRA. Cash value in the policy grows tax-deferred and policy owners can take out tax-free loans from that cash value during their lifetime. The amount of cash value that accrues inside the policy can depend on the underlying investment strategy.

Kai-Zen is more than just a retirement plan – it’s a proactive strategy that can help you maintain your lifestyle in retirement, even in the face of unexpected events such as chronic illness or premature death. With traditional retirement plans, high-income earners can often find themselves limited in their ability to save for retirement. But with Kai-Zen, you can leverage your assets to obtain more benefits and better protect your future income. Plus, with its unique fusion of financing and life insurance, Kai-Zen has the potential to earn you even more for retirement than traditional plans. So don’t settle for just any retirement plan – choose Kai-Zen for a brighter financial future.

Annuities – GLIR, a personal retirement plan that gives you peace of mind for your golden years. Annuities – GLIR provides a guaranteed lifetime income stream, protecting you from market volatility and ensuring you can maintain your lifestyle. With flexible payment options and tax-deferred growth, this plan is a smart investment in your future. Let us help you create a retirement plan that gives you the security you deserve. Contact us today to learn more about Annuities – GLIR.

Permanent Insurance

Index Universal Life (IUL) is a personal permanent life insurance plan that offers flexibility and potential for growth. With IUL, a portion of your premium goes towards the cost of insurance while the remaining amount is invested in a stock market index, allowing for potential growth with market increases. IUL also offers tax-deferred cash accumulation and the ability to access your funds through loans or withdrawals.

Whole life insurance is a type of permanent life insurance where As long as the policy owner continues to pay the premiums, there will be guaranteed death benefit, level premiums and cash value accumulation. These policies are designed and priced for an individual to keep over a long period of time.

Term Insurance

With ART, you can choose the length of your coverage term and the amount of coverage you need. It’s a flexible option that can be tailored to fit your unique needs and budget. And because it’s a term insurance plan, it’s more affordable than many other types of life insurance policies.

Are you looking for affordable life insurance that can provide financial protection and peace of mind for you and your loved ones? Libron Duerme Associates offers 10/20/30 year term life insurance plans that come with living benefits. These plans provide coverage for a set period of time, and if you were to experience a critical or chronic illness or disability, you may be able to access a portion of the death benefit while you are still alive to help pay for medical expenses and other bills.

This policy offers coverage for a specific term and also has a unique feature that returns all premiums paid if the policyholder outlives the term. This means you get the protection you need while also having the option to receive your money back if you don’t end up needing the insurance. It’s a win-win situation!

DF4L - Debt-Free 4 Life

This is a unique debt eliminating strategy. Eliminating your debt can provide you with a sense of peace, freedom, and more opportunities to live the life you have always envisioned for yourself. 

With a specialized whole life or permanent policy, you can use funds from within your policy to pay off current debts. Becoming debt-free can be a slow and steady process, but customized plans can help speed up your pay-off and get you to a life without debt sooner than you ever expected!

Secure Your Future Today: Take the First Step Towards a Worry-Free Retirement!

Mortgage Protection

Your home is one of your most valuable assets. That’s why we offer Mortgage Protection, a life insurance product that provides peace of mind for you and your family in the event of unexpected circumstances.

Mortgage Protection helps ensure that your family can stay in their home if you were to pass away or become unable to work due to illness or injury. It can help cover your mortgage payments or even pay off your entire mortgage, freeing your loved ones from financial burdens during a difficult time.

Our team of experts can work with you to tailor a Mortgage Protection plan that fits your unique needs and budget. We’re committed to providing personalized service and support every step of the way, so you can rest easy knowing that your family’s home is protected.

Final Expense

Final Expense is a type of life insurance that provides financial support to your loved ones when you pass away. It is designed to cover the costs associated with your final expenses, such as funeral expenses, outstanding medical bills, and other end-of-life expenses. At Libron-Duerme & Associates, we understand that planning for these expenses can be overwhelming, which is why we offer Final Expense insurance to give you peace of mind that your loved ones will be taken care of during a difficult time. Our experienced agents can help you choose the right plan that fits your needs and budget.

With Final Expense insurance, you can have the comfort of knowing that your loved ones will be able to honor your memory without being burdened by the financial strain of your final expenses.

College Planning

We understand the importance of investing in your child’s education. That’s why we offer College Planning as one of our products and services. With rising tuition costs, it’s important to have a financial plan in place to help your child achieve their academic goals without putting a burden on your finances.

Our College Planning program is designed to help families save for their child’s college education in a smart and efficient way. We work with you to create a personalized plan that meets your family’s unique needs and budget. Our team of experts will guide you through the process of choosing the right investment options, maximizing tax benefits, and minimizing financial risk.

With our College Planning program, you can have peace of mind knowing that your child’s education is taken care of. Contact us today to learn more about how we can help you plan for your child’s bright future.

Senior Supplemental Insurance

We offer Senior Supplemental Insurance, a product designed to provide additional coverage for medical expenses that may not be fully covered by traditional Medicare plans. As we age, our healthcare needs change, and unexpected medical costs can be a significant burden. That’s where Senior Supplemental Insurance comes in, providing an extra layer of protection and peace of mind for you and your loved ones. Our plans offer a range of coverage options, including prescription drug coverage, dental, vision, and hearing services, as well as coverage for hospital stays and medical equipment. We are committed to helping you find the best plan to fit your unique needs and budget, so you can enjoy your golden years without worrying about the financial impact of unexpected medical expenses. Let us help you navigate the complexities of Medicare and ensure that you have the coverage you need to live your best life.


Kai-Zen ®  is the only strategy that provides you the opportunity to add up to 3 times more money to fund a cash accumulating life insurance policy. Your contributions and the policy provide the security needed to obtain the loan and your participation is easy.

Simply create an account, estimate your short 5-year annual contribution amount, and let Kai-Zen ®  leverage do the rest. Kai-Zen ®  was designed to minimize expenses and maximize your potential for accumulation. We then combined it with leverage to provide you the potential for 60-100% more:*

Cancer/Heart Attack and Stroke Coverage

We know the importance of saving for retirement, especially if you work for a non-profit organization or government agency. That’s where 403(b)/457 plans come in, and we are here to help you make the most of them. Our team of experts can guide you through the complex rules and regulations to ensure that you are on the right track towards a secure retirement. 

With a 403(b)/457 plan, you can enjoy tax-deferred savings and potentially lower fees, which means more money for you in the long run. Let us help you achieve your retirement goals and secure your financial future with our customized 403(b)/457 plans.

Advance Market

Advanced Market Solutions provides high net worth individuals and business owners with opportunities that will cater to their needs and priorities such as Bonus ArrangementsBuy/SellExecutive BenefitsKey Person, MultiLife, Premium Financing, Qualified Plans, Split- Dollar and Estate Planning