Insurance & Annuities

OUR PRODUCTS

Life insurance & annuities tailored to your goals

Indexed Universal Life

Permanent coverage with cash value tied to a market index — designed with downside-protection features that limit losses from market declines.

Whole Life

Permanent, lifelong protection with fixed premiums and a built-in cash value component you may access or borrow against.

Term Life

High-value coverage for a defined period — typically 10, 20, or 30 years. The most affordable way to protect your highest-need years.

Final Expense

Burial insurance designed for clients 50+. Simplified application, fixed premiums, and a benefit sized for funeral and end-of-life costs.

Mortgage Protection

Life insurance designed specifically to help your family keep the home if you pass away. Often available with simplified underwriting.

Living Benefits

Policy features that may allow you to access funds while alive if diagnosed with a qualifying critical, chronic, or terminal illness.

Fixed Index Annuity

Retirement vehicle with growth tied to a market index plus principal-protection features. A middle path between fixed annuities and direct market investing.

Multi-Year Guaranteed Annuity

Fixed annuity with an interest rate locked in for a defined term (3–10 years). Like a high-yield CD, with tax-deferred growth.

Fixed Annuity

Conservative, low-volatility vehicle with a fixed interest rate, principal protection, and tax-deferred growth — a simple anchor for retirement plans.

Family-owned, locally focused — Hatch, New Mexico

At Desperado Financial, we believe families deserve a partner who works as hard for their money as they do. As an independent agency, we shop the market to find the policy that fits your situation — not the one a captive agent is required to sell. Honest answers, personal service, and the kind of straight talk that built the American west.