Demystifying wealth is a radical act.
There is a myth propagated by much of the financial industry that building wealth is too complicated for ordinary people to understand.
At Skene Financial it doesn’t matter if your largest asset is a portfolio, a retirement account, a home, or simply your ability to earn an income. We empower communities through transparency, education, and access to tools that protect what truly matters most.
Our Trusted Member-Owned Institutional Partners
For Working Families & Individuals
OUR SERVICES
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For the vast majority of working people in this country, their most valuable asset is their ability to earn an income.
When someone unexpectedly dies, gets hurt, or gets sick their income goes away, but the bills stay the same.
Skene Financial makes life insurance, disability, and critical illness coverage simple, customizable, and affordable so that no one has to lose everything else when they’ve already lost everything.
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Debt Free Life is a modern way to pay off your debt using the cash value of a specialized participating whole life insurance policy.
Using our exclusive software, your certified Debt Free Life consultant will generate a personalized debt elimination report showing you how and when to pay off each debt and the projected amount of interest you’ll save, all without spending any additional money each month.
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With the constant boom and bust cycles of Wall-Street, more and more people are looking to Cash Value Life Insurance as a way to grow their retirement savings tax-deferred and with contractual guarantees so that your savings grows, even when the market tanks.
With nearly a decade of experience in advanced market insurance solutions, Skene Financial specializes in how to properly structure Infinite Banking, Indexed Universal Life, and Fixed & Indexed Annuities so you know your life and your savings are protected.
For Small Business & Organizations
OUR SERVICES
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Investing in your people is investing in your business.
Wither you’re a small business, non-profit, worker owned co-op or Union. Skene Financial goes the extra mile to create individualized and adjustable protection plans and retirement solutions for the people who make your business profitable.
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Designed to help a company recover from the financial loss caused by the death or disability of an owner, partner, or essential employee, Key person insurance provides financial protection by giving your business time to find and train replacements in key roles.
With tools like instant decision underwriting and access to dozens of carriers, we make finding and getting approved for the best coverage faster and more affordable than ever.
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Debt Free Life can be applied to your business debt?
Yes! In addition to being a deductible expense, your businesses will build cash value while eliminating debt and decreasing the amount of interest paid to lenders.
Then you can use the funds in your policy to finance any future business loans, allowing you to become your own bank, saving headaches and interest as your company grows.
DEBT FREE LIFE 101
OUR SERVICES
For Community Finance
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Skene Financial understands just how important speed and ease are to the lending process for Local Banks, Credit Unions and CDFI’s
With our industry-leading tech partners, most of our applications are completed, approved, and issued within 20 minutes so that lenders and borrowers can eliminate friction and slowdowns in the lending process.
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In addition to our preferred Member Owned Institutional partners, Skene Financial has access to over 30 A-Rated carriers, ensuring we can accommodate every type of applicant.
With tools like instant decision underwriting and access to dozens of carriers, we make finding and getting approved for the best coverage faster and more affordable than it’s ever been.
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Already have a licensed life agent in your organization?
Skene Financial seamlessly integrates tools like AI Assisted health-screening, Instant Decision Underwriting, and direct-to-consumer website widgets increasing borrower coverage with little to no extra work.
OUR SERVICES
For Investors
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The emerging markets of Local and Impact Investing are a passion of ours.
We sponsor a series of educational deep dives and a database of these funds hosted by The Main Street Journal, Impact Alpha, Neighborhood Economics, and The Mindful Marketplace Show to help educate the public on these opportunities.
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You have an investment strategy.
Why not accelerate it?
Wither you invest in local businesses, local real estate, values-based funds, or in the Market, Skene Financial utilizes tools like Infinite Banking and IUL’s from our Member owned Institutional Partners to accelerate the investment strategy you already have.
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How much of your investments can you afford to lose?
Skene Financial uses advance market solutions like Infinite Banking, IUL, Participating Whole Life, and Indexed Annuities to help investors who want to ensure that an appropriate amount of their investments can continue to grow while being contractually protected and against market downturn.