Income & Family
If your paycheck stopped tomorrow, the people who count on you would still have a plan.
- Income replacement
- Mortgage and debt payoff
- Final expenses
Not captive to any one insurer
Independent Life & Annuity Agency
Your family's future, built to rise.
Prestige Arising helps individuals, families, and business owners put life insurance and annuity strategies in place for protection today, steadier retirement income tomorrow, and a legacy that outlasts you.
Complimentary consultationNo obligationPhone or video
Independent
Multi-Carrier
Options from many established companies
Licensed
State-licensed insurance professionals
Education First
You understand it before you decide
What We Protect
Three levels of security, each one lifting the next.
A strong plan starts with the basics and builds upward. Some clients need one level. Many need all three. We'll help you see which ones matter for you, and in what order.
Retirement
Ways to help shield savings from market losses and create income options for the years after work.
- Principal protection
- Tax-deferred growth
- Lifetime income options
Legacy
Thoughtful ways to pass wealth to children, grandchildren, or the causes you care about.
- Wealth transfer
- Estate liquidity
- Generally income-tax-free death benefits
Our Services
Four core solutions, explained plainly.
Every option has strengths and trade-offs. Tap through each one to see how it works, who it tends to fit, and what to keep in mind.
Term Life Insurance
Coverage for a set number of years at a level premium. If you pass away during the term, your beneficiaries receive the death benefit to help replace income, pay off a home, or cover education.
Tends to fit
- New parents and young families
- Homeowners with a mortgage
- People who want the most coverage for their budget
Notable features
- Terms commonly offered for 10, 15, 20, or 30 years
- Many policies can convert to permanent coverage
- Living-benefit riders available on some policies
Whole Life Insurance
Permanent coverage meant to last your lifetime, with level premiums and cash value that grows on a guaranteed basis.
Tends to fit
- Lifelong protection and final expenses
- Estate and legacy planning
- People who value guarantees and predictability
Notable features
- Guaranteed death benefit and level premiums
- Tax-deferred cash value accumulation
- Participating policies may pay dividends, which are not guaranteed
Indexed Universal Life
Permanent life insurance with flexible premiums. Cash value can earn interest based on a market index's performance, while a floor helps protect against index losses.
Tends to fit
- Professionals wanting permanent coverage with growth potential
- Supplemental tax-advantaged retirement strategies
- Business and legacy planning
Notable features
- Index-linked crediting with a floor, often 0%
- Flexible premiums and adjustable death benefit
- Potential access to cash value through policy loans
Fixed Indexed Annuities
A contract with an insurance company that protects your principal from market losses, credits interest linked to an index, grows tax-deferred, and can provide retirement income options.
Tends to fit
- Pre-retirees protecting savings from downturns
- Retirees who want predictable income options
- Rollovers from 401(k)s and IRAs
Notable features
- Principal protected from index losses
- Tax-deferred growth
- Optional income riders for lifetime income, which may carry fees
Mortgage Protection
Help keep the family home paid for if the unexpected happens.
Debt Payoff
Help clear loans and balances so they don't pass to your family.
Income Replacement
Help your household keep its standard of living.
Retirement Income
Options for income designed to last as long as you do.
Business Continuity
Key person coverage and buy-sell agreement funding.
Estate Liquidity
Funds to help cover estate costs so heirs aren't forced to sell assets.
How It Works
From first call to protection in three moves.
We keep the process simple and pressure-free. You'll always know what's happening next and why.
- 1
Talk
A complimentary call to learn about your family, your goals, and any coverage you already have.
- 2
Compare
We shop multiple carriers and lay out your options side by side, including costs and trade-offs.
- 3
Secure
We guide you through the application and underwriting steps so nothing catches you off guard.
And then we stay in touch. Marriage, a new baby, a new home, a growing business, retirement: when life moves, we review your plan with you.
Start With Step 1Why Independent
One agency. Many insurance companies.
Through our partnership with a national Independent Marketing Organization (IMO), we can compare products from a wide range of established carriers. That keeps your needs at the center of every recommendation.
A captive agent
- —Usually sells one company's products
- —Limited ability to compare prices
- —One company's underwriting rules
Prestige Arising
- ◆Access to multiple insurance companies
- ◆Side-by-side comparisons for your situation
- ◆Carriers matched to your health profile and goals
Individuals
Coverage for debts, final expenses, and loved ones, plus options to start building cash value early.
Families
Income replacement and mortgage protection for parents, plus policies for children that may build cash value over time.
Business Owners
Key person coverage, buy-sell funding, and executive bonus strategies to help reward and retain talent.
High Net Worth
Estate liquidity and wealth transfer, coordinated with your attorney, CPA, and other professionals.
About
Prestige is earned. Arising is what comes next.
Prestige Arising was founded by Hancia Farrington, a licensed insurance professional who believes every family deserves the kind of careful, personal planning that used to be reserved for the wealthy.
Our mark tells the story. The P stands for the protection you put in place first. The A rises around it, and the arrow keeps going up: a reminder that a good plan is something you build on for decades.
ClarityYou'll understand what you own, what it costs, and why.
IntegrityWe recommend what fits, even when that means less.
CareWe treat your family's future like our own.
ChoiceMany carriers, so the plan fits you.
Questions
Good to know before we talk.
Is the consultation really complimentary?
Yes. The consultation is complimentary, with no obligation. The call is a conversation to understand your goals and show you which options may fit.
Will I feel pressured to buy?
No. Our role is to educate you and present options. Whether you move forward, and when, is entirely up to you.
What does "independent agency" mean for me?
We aren't tied to one insurance company, so we can compare products from several carriers. That gives you more choices for coverage, features, and price.
What should I have ready?
A general idea of your goals, any policies you already have, and roughly what your household spends each month. We'll handle the rest.
Can you review a policy I already have?
Yes. Bring any policies you have today and we'll walk through how they work, what they cover, and whether they still fit your goals.
Contact Us
Thirty minutes. A clearer future.
Pick a time that suits you and we'll meet by phone or video, wherever you are. You'll leave with a clearer picture of your protection, your retirement, and your legacy.
- 0–10 minGet to know youYour family, your goals, and what's on your mind.
- 10–20 minWhere you standCurrent coverage, savings, and any gaps.
- 20–30 minYour optionsStrategies that may fit, explained in plain language.
Complimentary Consultation
About 30 minutes · Complimentary · No obligation
Choose My TimePhone(612) 407-4505
Email[email protected]
MeetingsPhone and video appointments available
ServingClients in multiple states. Reach out to ask about yours.