Tailored coverage solutions for every stage and situation in life.
As an independent broker, I work with multiple top carriers to find you the best coverage at the most competitive rate. Here's what I offer.
Term life insurance provides pure protection for a set period — typically 10, 20, or 30 years. It's the most affordable way to get a large amount of coverage and is ideal for families with specific time-bound financial obligations.
Cover your mortgage so your family keeps the home if something happens to you.
Protect your children's future until they're financially independent.
Replace your income during your peak earning years.
Ensure education funds are available for your children.
Whole life insurance provides lifelong coverage with a guaranteed death benefit and builds cash value over time. It's a cornerstone of long-term financial planning that combines protection with savings.
Build cash value while maintaining permanent coverage for your family.
Leave a guaranteed legacy and help cover estate taxes.
Fund buy-sell agreements or key person coverage.
Guaranteed growth with no market risk on cash value.
Final expense insurance is a smaller whole life policy designed specifically to cover end-of-life costs. It helps ensure your family isn't burdened with funeral expenses, medical bills, or outstanding debts.
Affordable coverage designed specifically for your age group.
Simplified issue means more people qualify, even with pre-existing conditions.
Don't leave funeral costs to your children. The average funeral costs $7,000–$12,000.
Cover remaining debts so they don't pass to your estate.
IUL combines the flexibility of universal life with growth potential linked to a stock market index. It offers a floor of protection against losses while allowing your cash value to participate in market gains.
Want upside potential without risking your principal.
Create a supplemental tax-free income stream for retirement.
Already maxing out 401k/IRA? IUL offers additional tax-advantaged savings.
Love the idea of market participation with a guaranteed floor.
| Feature | Term Life | Whole Life | Final Expense | IUL |
|---|---|---|---|---|
| Coverage Duration | 10–30 Years | Lifetime | Lifetime | Lifetime |
| Cash Value | ||||
| Premium Type | Fixed | Fixed | Fixed | Flexible |
| Medical Exam | Usually | Sometimes | No | Sometimes |
| Affordability | ||||
| Best For | Young families, mortgages | Legacy, wealth building | Seniors, burial costs | Growth + protection |
Not sure which is right for you? Let's figure it out together.
Every situation is different. Let me help you compare options and find the perfect fit.