It’s not about what you need, it’s about what your family needs when you’re not here.

Book A Call

1,000+

Families Helped through Peace of Mind PlanningTM

$97,000,000+

Life Insurance Plans

Placed and reviewed annually.

Brokers

This simply means we are not captive or limited to a specific carriers product line. .

Dedicated

Professional Advisors with Wide Array of solutions no matter how simple or complex your case may be.

It’s not about what you need, it’s about what your family needs when you’re not here.

1 Million+

Families Helped

$150 Billion

Life Insurance Placed

$800 Billion

Premium Sold

10,000+

Professional Agents

Amit Gandhi

Licensed Broker Specializing in
Life Insurance And Retirement Planning Specialist


Certified Asset Protection Planner CAPP(TM) | Certified Wealth Preservation Planner CWPP(TM)

State Representative and Rated "AAA" Advisor by the Asset Protection Society (APSTM)

Meet Your Advisor


I didn't stumble into the world of financial advising by chance. It was woven into the very fabric of my upbringing, a tapestry of sacrifice, hope, and the unwavering determination of immigrant parents seeking a better life for their children.

As a first-generation American, I witnessed firsthand the sacrifices my parents made when they embarked on their journey to the United States. Their dream wasn't just for themselves; it was for the generations that would follow, for the children who would inherit their courage and determination.

Growing up, I understood the weight of their sacrifice. Every opportunity I had, every privilege I enjoyed, was built on the foundation of their hard work and perseverance. It was a lesson in resilience, but also in responsibility — the responsibility to honor their sacrifice and ensure that their legacy lived on.

Why Life Insurance and Retirement Planning Matters


Life insurance isn't just a financial product to me; it's a testament to the love and dedication of parents who dared to dream of a brighter future. It's a promise to protect those we hold dear, even in the face of life's uncertainties.

At the age of 19, I purchased my first life insurance policy. Single and without children, some may have questioned my decision. But to me, it was a natural step — a way to safeguard my parents' future, to ensure that their sacrifices wouldn't be in vain.

For many South Asian Indian families like mine, the idea of nursing homes or retirement communities is met with trepidation. Our culture places a premium on family, on caring for our elders with love and respect. That's why I'm passionate about helping individuals and families prepare for the unexpected while building a foundation for a secure and fulfilling future.

My Approach


As a Life Insurance and Retirement Planning Specialist, I bring a comprehensive approach to financial security. From basic life insurance coverage to advanced strategies like Living Benefit Riders, Tax-Free Retirement Planning, Trust and Estate Planning, I leave no stone unturned in crafting personalized solutions for my clients.

Whether it's ensuring guaranteed income for life, planning for long-term care needs, or providing critical illness coverage, I'm committed to empowering my clients with the knowledge and tools they need to protect their loved ones and preserve their legacies.

Experience the ultimate peace of mind, knowing my support comes at zero cost to you—no hidden fees, no surprises, no matter the extent of our journey together.

Let's Plan for Tomorrow, Together.


Your journey towards financial security begins here.

Let's honor the sacrifices of the past while building a brighter future for generations to come.

Reach out today, and let's start writing your family's story of resilience, security, and enduring love.

WE GOT YOU COVERED

Image

Final Expense

Final Expense insurance will cover you for life. Prices are locked and will never increase nor will your policy end. These types of policies are designed to make sure all funeral and other end of life expenses are covered.

Image

Indexed Universal Life

This is a type of permanent policy that allows the insured to accumulate cash value in addition to their death benefit. It can be setup to help supplement your retirement plan.

Image

Final Expense

Final expense insurance is an affordable whole life policy designed to cover end-of-life costs, such as funeral expenses and medical bills, easing the financial burden on loved ones.

With guaranteed acceptance options and no medical exam requirements, it's an ideal solution for ensuring peace of mind and financial security

Image

Term Life Insurance

Term life insurance offers affordable, straightforward coverage for a specified period, providing a high death benefit at a low cost to protect your family’s financial future.

Ideal for income replacement, debt protection, or securing major life goals, term life insurance delivers peace of mind when you need it most.

Image

Fixed/Whole Life

Whole life insurance is a permanent life insurance policy that provides lifelong coverage, a guaranteed death benefit, and a cash value component that grows tax-deferred over time.

Ideal for individuals seeking financial security and wealth-building, whole life insurance offers stability, predictable premiums, and the potential for tax-advantaged savings.

Image

Indexed Universal Life

Indexed Universal Life (IUL) insurance combines lifelong coverage with the potential for cash value growth tied to market index performance, offering flexibility and upside potential without market loss risk.

Perfect for those seeking tax-advantaged savings, wealth-building, and customizable protection, IUL provides a powerful blend of security and financial growth.

Image

Mortgage Protection

Mortgage protection insurance is a way to protect one of your most valuable assets in the event of a death.

Most terms are designed to give you a full return of premium if you outlive the policy.

In the event of a death, the mortgage will be paid in full, so your family can keep the house.

Image

Fixed Indexed Annuities

Fixed Indexed Annuities (FIAs) offer a secure way to grow retirement savings with guaranteed income, combining 100% principal protection (your money will never go backwards due to negative returns in the stock market) with potential growth tied to market index performance.

Perfect for those seeking stability and tax-deferred growth, FIAs provide a reliable income stream and peace of mind during retirement.

Image

Mortgage Protection

Mortgage protection insurance is a way to protect one of your most valuable assets in the event of a death. Most terms are designed to give you a full return of premium if you outlive the policy. In the event of a death, the mortgage will be paid in full, so your family can keep the house.

Image

Fixed Indexed Annuities

This is a safe way to participate in the market's gains while avoiding potential loses and keeping your retirement secure.

Industry's Best

Insurance Providers

We Respect your Privacy.

The Truth about Applying for Life Insurance Online

The Truth about Applying for Life Insurance Online

Applying for Life Insurance online through "instant approval" pitches are great but just as anything else that is automation-based, can actually do more harm than good for many. Read more about it her... ...more

Life Insurance

May 08, 2024•4 min read

Protect Your Loved Ones with Term Life Insurance

Protect Your Loved Ones with Term Life Insurance

Term life insurance offers significant financial security for your loved ones. Known for its affordability, it allows cost-conscious families to maintain lower premiums and higher coverage while gaini... ...more

Life Insurance

April 21, 2024•6 min read

Back to Home

Just fill out the form with your contact information and we’ll get back to you as soon as possible.

Request a quote

Just fill out the form with your contact information and we’ll get back to you as soon as possible.

We respect your privacy.

© Copyright 2023 108 Capital Management, LLC / 108CMInsurance. All rights reserved.