Your trusted insurance partner to help you protect what matters most
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LIFE insurance
Planning for the future should include protecting the livelihood of our loved ones. Life insurance is a difficult subject but planning for uncertainties ensures your loved ones aren’t left with unnecessary burdens. Affordable policies. Easy application process.
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family legacy planning
Life insurance can be an important tool to help provide for your family's income and expenses should an unexpected death occur, but did you know you can also use it to fund your legacy goals? Whether you want to provide an inheritance for loved ones or gifts to charity, permanent insurance could offer you flexibility and certainty that you'll reach your legacy goals.
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first responders
As a first responder, you selflessly protect and serve your community. Protect and secure your family’s financial future giving them and you peace of mind with plans to fit your budget.
Common Life Insurance Questions
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Term life insurance provides coverage for a certain period of time, called a specified “term.” If the insured person dies during this term, then the stated death benefit will be paid to the insured’s beneficiaries.
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Whole life insurance provides lifelong protection while term life insurance only provides coverage for a set period of time. Term life is simple and more affordable than whole life, but only provides a limited term of coverage. Whole life comes with a cash value that grows over time.
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When a term life insurance policy ends, generally the policy expires and requires no more action from the policy holder. There is no more policy benefit and the owner of the policy can stop paying the premiums. Some providers offer the option to buy a new term life insurance policy or convert it to permanent life insurance.
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How term life insurance works is through a contract between the owner of the policy and the insurance company. Term life insurance policies typically last 10, 15, or 20 years and premiums are based on the owner’s age, health, and life expectancy. The owner of the policy agrees to pay a premium for the stated term and the insurance company agrees to pay the owner’s beneficiaries a stated cash amount if the owner dies within the policy’s term.
My mission is to provide my clients with assistance in understanding and making the right decisions when it comes to insurance. My personal goal is to become a lifetime resource for my clients and give them greater confidence and peace of mind in choosing their insurance plans. Please fill out the form and I will be in touch soon to schedule a no cost consultation.
