QUOTE & SELECT YOUR LIFE INSURANCE IN 5 MINUTES

	Burial & Final Expense Insurance
	Term Life Insurance

	Mortgage Protection Insurance
	Whole Life Insurance

	Universal Life Insurance
	Annuities - Fixed & Indexed

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I am an independent life insurance broker who specializes in annuities, life insurance, and health insurance.

HERE'S WHY I'M THE LIFE INSURANCE AGENT YOU NEED

My first child's near-death battle with brain cancer together with the loss of my twins brought me to life insurance. Death is certain, and while accidents and cancer are not, all three can happen to anyone at any age. There are innovative policies for all ages so that your family isn't burdened when tragedy happens. I was unprepared, now I'm here to help prepare you.

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Q: WHAT KIND OF LIFE INSURANCE DO YOU NEED?

a: I'll help you figure that out - it's my job to understand the right solution for you.

Term Life Insurance

Provides coverage for a specified term such as 20 or 30 years.

Level premiums that don't increase.

Living benefit riders available such as accidental death, chronic illness, etc.

Often used to pay off a home mortgage and substitute lost income should the insured die or become disabled.

Ideal for young families who need great coverage on a limited budget.

Whole Life Insurance

Provides coverage for an insured's whole life.

Has a growing cash value component that can be borrowed from should needs arise.

Level premiums that don't increase, and some policies can earn dividends.

Living benefit riders available such as accidental death and chronic illness, etc.

Ideal for those who want lifetime coverage and large death benefit.

Final Expense Insurance

Small whole life policies focused on covering end of life expenses such as burial or cremation.

Benefit amounts range from $5,000 to $50,000.

Limited living benefits available.

Simplified underwriting and guaranteed issue options.

Best suited for individuals over age 55 who need limited coverage on a fixed income.

Universal Life Insurance

Provides lifetime coverage and a cash value component.

Offers flexibility to adjust premium payments and death benefit up or down.

Idexed policies offer potential for higher growth based on market indexes.

Living benefit riders available such as accidental death, chronic illness, etc.

Ideal for those who want the benefit of whole life with the flexibility to control premiums and benefits.

Annuity Income Products

Offer guaranteed stream of income for life that cannot be outlived.

Transfers investment risk to the insurance company while guaranteeing tax-deferred growth.

Allow for withdrawls should expenses arise.

Living benefit riders available such as long-term care, terminal illness, etc.

Ideal for those who want to invest funds for retirement income or roll-over other accounts.

Ancillary & Long-Term Care

Ancillary insurance fills gaps in your existing health coverage.

Includes accident & disability, dental & vision, and hospital indemnity policies.

Long-term care insurance provides coverage when assistance is needed with daily activities.

Helps cover costs for services at home and in assisted living or nursing facilities.

Helps protect your assets and savings from cost of care.

I MAKE YOUR LIFE INSURANCE QUICK AND EASY

No long meetings at your kitchen table here - start with a simple online quote comparison, and we'll finish by phone or zoom with e-apps and docusign. I make sure you're getting the best coverage at the best rates without disrupting your life.

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