Ed Rivas, President of Cherry Hill Financial, Shares his expertise from 35 years of the Life Insurance industry. Ed has saved his clients a combined of $3.1 million in premium since 1980. SHFC and CLU Accredited, Ed can secure the lowest rate from among the 45 companies he is contracted with, Even if you have a medical condition!

Universal Life

Variety of Shapes and Sizes

Universal Life comes in a variety of shapes and sizes. It can function like long-term term insurance. I can offer a guaranteed Death Benefit for a guaranteed premium for whatever period of time…

Whole Life

Accumulate Cash Value

Whole Life is a great way to accumulate cash value for the long term. Whole life is dividend based and the returns of dividends have outperformed any policy based on a current interest rate.

Term Life

Coverage at a fixed rate

Term life insurance provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires coverage at the previous rate of premiums is no longer guaranteed.

Estate Planning

Gifting or estate tax exclusion

Under current estate planning law, everybody has a $5.25 million dollar exclusion for either gifting or estate tax exclusion.  If you do not use it, it automatically transfers to the surviving spouse.


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  • Protect your family and your loved ones.
  • Provide financial security for your family.
  • Build a retirement savings for your future needs.
  • Prepare for any long term care needs and expenses.
  • Cover final expenses.
Life Insurance Solutions August 6, 2014