Our Services
Schedule a consultation with me to explore the best life insurance options tailored to your needs. Securing your future starts with just one appointment.
Whole life Insurance
Whole Life Insurance provides comprehensive coverage solutions designed to protect your family's financial stability. Trust in our expertise to safeguard your future with tailored life insurance plans that meet your unique needs.
Term Options
Term Life (10RC, T20, TA15, TA30) -Terminating insurance, only last for a selected period of time
Term to 65 (T65) - Level premium level death benefit term insurance, issues age 18-55, expires at age 65 can be converted prior to age 63. Minimum issued coverage 5k.
4-year term (4RC) - Level death benefit, increasing premiums every 4 years. Minimum issue 100k, issue ages 18-65. Expires at age 70, minimum issue is 100k. This product must be written on a separate application from any other products.
Term to 100 - Level Premium level death benefit till age 100, convertible to age 100.
Income Protection
Income Protection provides comprehensive life insurance solutions tailored to safeguard your future. Our plans offer customizable coverage options, ensuring financial protection for you and your loved ones.
College Expense Protection Options
The College Education Program can be funded by various products:
The laptop takes into account that the average cost for in-state tuition and room and board for a 4 year institution is currently over $68,000. At 4% inflation over 10 years this cost becomes over $100,000. The default coverage provided will be $100,000 per child, minus any current savings they have for college expense.
Accidental death benefit (ADB) (Default method): This will be the most common recommendation of education protection to keep the overall plan affordable. This only pays if the insured dies from injury resulting from an accident. Coverage terminates at 70.
20 Year Term (20YR R&C): level premium; level death benefit term which can be converted to whole life prior to the 18th year and cannot be renewed (minimum coverage 5,000k). The benefit will vary in the needs analysis based on the need, budget and household income.
10-year term (10R&C) (same as income protection): may be recommended depending on child’s age and if insured has a good amount of work insurance
Mortgage Protection
Mortgage Protection offers comprehensive life insurance solutions, tailored to safeguard your family's future. Our expert team is dedicated to providing peace of mind through personalized coverage options.
Health Options - Accident and Health(A&H)
A71000 – Accidental Hospitalization
This policy pays a cash benefit to the insured and covered dependents for treatments received due to accidental injuries. The amount of the payout depends on the amount coverage purchased. Below is an example of the A71000 payouts:
A71 - $100, A71 - $200, A71 - $300, A71 - $400, A71 - $500
This is eligible for all ages through 79.
Hospital Indemnity- H3400
This policy IS NOT A MEDICARE SUPPLEMENT policy. If you are eligible for Medicare, review the Medicare (2) Hospital Confinement Indemnity Coverage - Policies of this category are designed to provide to persons insured, coverage in the form of a fixed daily benefit during periods of hospitalization resulting from a covered accident or sickness, subject to any limitations set forth in the policy.
CNM - Cancer Living Benefits
The American Cancer Society says 98% of expenses associated with cancer come from indirect expenses not covered by health Insurance. The lifetime risk of developing cancer is one in two for men, and one in three for women. The unit or scheduled cancer program pays a specific dollar amount for services rendered for cancer treatments of an insured. This program pays directly towards the insured. Unit options are:
CNM - 30 units; CNM - 20 units; CNM-15 units; CNM - 10 units, CNM - 5 unit
Contact us
Protecting your family's future is important. Let's talk about life insurance. Contact me for a personalized consultation and find the right plan for your needs.!