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I believe insurance and financial protection should fit your life—not the other way around. Whether you’re planning for your family’s future, covering unexpected health gaps, or building income for retirement, I offer personalized solutions to help you stay protected and financially confident.
Life Insurance
Life Insurance
Whole Life Insurance is a type of permanent life insurance that provides coverage for your entire lifetime, as long as premiums are paid. It’s a smart choice for people who want both lifelong protection and a way to build savings over time.
Key Benefits of Whole Life Insurance:
✅ Lifetime Coverage
Unlike term life insurance, whole life policies do not expire after a set number of years. You're covered for life.
✅ Guaranteed Death Benefit
Your beneficiaries will receive a guaranteed payout (called a death benefit) when you pass away, helping with expenses like funeral costs, debts, or income replacement.
✅ Cash Value Growth
Part of your premium goes into a cash value account, which grows over time at a guaranteed rate. You can borrow against it or use it later for emergencies, retirement income, or other needs.
✅ Locked-In Premiums
Your monthly or annual premium stays the same for the life of the policy—no surprises as you age.
Term Life Insurance provides affordable, straightforward coverage for a specific period of time—usually 10, 20, or 30 years. It’s designed to protect your loved ones during the years they need it most, like while paying off a mortgage or raising children.
Key Benefits of Term Life Insurance:
✅ Affordable Coverage
Term life is typically the most budget-friendly option, offering high coverage amounts at low monthly premiums.
✅ Simple & Easy to Understand
You choose the term length and coverage amount. If you pass away during that time, your beneficiaries receive a tax-free death benefit.
✅ Flexible Protection
Great for covering temporary needs like a mortgage, college tuition, or income replacement during working years.
✅ Convertible Options Available
Many policies allow you to convert to permanent coverage later—without a medical exam.
Universal Life Insurance (UL) is a flexible type of permanent life insurance that offers lifetime coverage along with a cash value component that can grow over time. Unlike Whole Life Insurance, UL gives you more control over your premiums and death benefit.
Key Features of Universal Life Insurance:
✅ Lifelong Protection
UL policies offer coverage for life, as long as the policy is properly funded.
✅ Flexible Premiums
You can adjust how much you pay (within limits). Pay more to grow your cash value—or pay less if money’s tight.
✅ Cash Value Accumulation
Part of your premium goes into a cash value account that earns interest, often at a rate tied to market performance (with minimum guarantees).
✅ Adjustable Death Benefit
You may be able to increase or decrease your death benefit (subject to underwriting approval), giving you flexibility as your needs change.
Health, Dental and Vision
Health, Dental and Vision
🏥 Health Coverage Options
🕒 Short-Term Medical (STM) Insurance
When you need coverage outside of open enrollment.
Short-Term Medical is a cost-effective, temporary solution for those between jobs, waiting for employer coverage, or outside of open enrollment periods.
Fast approvals
Flexible durations
Covers essential healthcare needs
😁 Dental & Vision Insurance
Your smile and sight are part of your overall wellness—and should be protected, too.
Dental Coverage Includes:
Preventive care (cleanings, exams)
Restorative services (fillings, extractions)
Optional orthodontics
Vision Coverage Includes:
Annual eye exams
Glasses and contact lenses
LASIK discounts (on select plans)
Annuities
Annuities
🔐 Annuities for Income & Retirement
Whether you’re nearing retirement or already enjoying it, annuities offer guaranteed income, tax advantages, and protection from market volatility—helping you enjoy peace of mind and financial security in your golden years.
⏱️ Indexed Immediate Annuities
Start income now—with market-linked potential.
Ideal for retirees looking to turn a lump sum into a steady stream of income right away. Indexed Immediate Annuities offer income payments that may increase based on a market index, while still providing a predictable income floor.
Payments begin immediately
Indexed for potential growth
Great for retirement income you can’t outlive
📆 Indexed Deferred Annuities
Grow your retirement income for the future.
Deferred annuities allow your money to grow tax-deferred until you’re ready to receive income. With indexing, your account value can grow based on market performance—without the risk of losing value in a down market.
Delay payments and grow value
Index-linked growth with protection
Tax-deferred income planning
Other Products
Other Products
✅ Guaranteed Issue Life Insurance
Coverage when others say no.
No health questions. No exams. Guaranteed issue life is designed for individuals who need protection but may not qualify for traditional policies due to medical history.
Simple application
Fixed premiums
Permanent coverage often used for final expenses
A type of health insurance that provides a lump-sum cash benefit if you are diagnosed with a serious medical condition covered under the policy. It’s designed to help cover costs that may not be paid for by standard health insurance, such as lost income, travel for treatment, or modifications to your home.
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