• You tell us about your goals, your preferences, and needs. And by asking specific questions, we will get clear about the next steps.

  • Once we know your needs, we do the research for you. With access to over 30 trusted insurance companies, we find the best policies based on your health, coverage goals, budget, and the features that bring the most value to your future.

  • You’ll never be left to figure it out alone. We walk through your top choices side-by-side, explaining each option in clear, simple terms so you can make a confident decision — no pressure, no confusion.

  • When you’re ready, we handle every step of the application and approval process. You’ll know exactly what’s happening and when. The result? Peace of mind that your loved ones are protected and your plan is secure.

  • Once your plan is in place, the ongoing service looks like this:

    • Follow through on getting your policies

    • Availability for questions, any time

    • Communication about new products and thoughts through our email newsletters

    • Policy reviews and updates yearly or more frequently depending on the type of policies you have.

Life Insurance goes beyond what most people think it is.
Let’s talk. It might be very enlightening.

Here are just a few targeted uses.

  • Mortgage/Renters Life Protection

    Protecting the ability to keep a roof over your head.

    Learn More

  • Debt

    What you owe or have co-signed for may need to be addressed if a wage earner dies. We have solutions. We also can talk about becoming debt-free with our Debt Free Life program.

    Learn more

  • Retirement

    It does seem odd to tell someone starting their first real job to think about retirement. But the fact is, the sooner you start and the more diverse your plan, the happier your retirement will be. Let us add important tools to your plan..

    Learn More

  • Transferring Wealth

    Maximizing what you’d like to share with those most important to you is the goal. Let’s talk about how to do just that.

    Learn More

  • Life insurance is a contract where an insurance company pays a lump sum, known as a death benefit, to your beneficiaries after your death, in exchange for regular premium payments you make during your lifetime. This money can be used to cover your final expenses (such as your funeral), replace lost income, pay off debts (such as a mortgage), fund a child's education, or for many other purposes, including a gift to charity.

  • You likely need life insurance if anyone depends on you financially. This includes spouses, children, or other relatives who rely on your income to maintain their standard of living, cover household expenses, or manage debt. 

  • There is no single rule, as it depends on your unique financial situation, the number of dependents you have, and your outstanding debts. A common guideline is to have coverage equal to 10-15 times your annual income, but a financial advisor can help you perform a needs analysis to determine the right amount for you.  text goes here


  • The two primary types are term life and permanent life. 

    Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years). It's generally less expensive but has no cash value component and ends when the term expires.

    Permanent life insurance (such as whole life or universal life) provides lifelong coverage. It includes a cash value component that grows over time, which you may be able to borrow against. 

  • Generally, the death benefits paid to your beneficiaries are not considered gross income and are not taxable under current law. However, any accrued interest may be taxable, and it's best to consult a tax professional for specific advice.  description

  • Yes, you can have multiple policies from different sources, such as one through your employer and another on your own. Both would pay out in the event of your death. 

  • Your risk of dying primarily determines premiums. Factors include your age, current health, medical history, family medical history, occupation, lifestyle habits (like smoking or dangerous hobbies), and the type and amount of coverage you select. 

  • Yes, claims can be denied.

    if the policy has lapsed due to unpaid premiums.

    if the cause of death is an exclusion in the policy (like suicide within the first two years),

    If the policyholder provided false or incomplete information on the application. 

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  • Here are a few things to consider -

    1. Does anyone depend on you or your income?

    2. Do you have loans that someone else co-signed? If you die, they are still going to owe the money to the lender.

    3. Do you own property? Someone will need to handle its sale, and until it is, the mortgage must be paid. Any preparation for sale costs time and money.

    4. The cost of waiting
      This is based on equal policies (IULs), and the only difference is age. (26, 36, & 46)

      a. The cost of waiting 10 years is paying 30% more at 36, and waiting until 46, the premium virtually doubles.

      b. Paying for this policy stops after age 65 and starts paying out an allocation through age 90. The allocation for the 36-year-old is 41% less than that for the 26-year-old and 69% less at 46. In this scenario, the 26-year-old will be entitled to a 6-figure annual allocation that ends after he’s 90. Policy remains in effect until age 120.

    5. Many factors can affect the ability to qualify for insurance. Once you contract an illness and become uninsurable, getting insurance is no longer an option. Why take that chance?

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