Let's talk, how would your family survive without you?

Whole life insurance, also known as permanent life insurance, is a policy that will last your whole life, your entire life, providing all premiums paid on time.  You will lock in low premium rates that remain fixed for the life of the policy. You are securing a death benefit while also contributing to a cash accumulation. The funds are a great way to save. 

Ideal for newborns to 20 somethings but still a great option for 60-74 year olds.

 Term Insurance is the simplest and purest form of Life Insurance. It provides financial protection to your family at the most affordable rates. With term insurance, you can get a large amount of life cover at a relatively low premium rate for a set TERM like 10, 15 or up to 30 years depending on your age. 

Great for 30-60 year olds during the "family era" of life when we incur the most debt like mortgages, day care (IYKYK), and cars.

 Universal life insurance is a versatile and flexible option for those looking for lifelong coverage with the ability to adjust premiums and death benefits. It combines the protection of life insurance with the opportunity for cash value accumulation, making it suitable for individuals seeking both financial security and investment growth. As with any financial product, it’s important to review the specific terms and conditions of the policy and consult with a financial advisor to determine if it fits your long-term financial goals and needs. I will gladly coordinate with your Financial Professional.

 Mortgage Protection Insurance (MPI) can help keep family members in the home and prevent financial devastation. By using a life insurance policy as your MPI, you actually have better options available to you, while still protecting your greatest investment. 

The benefit of using a life insurance policy versus a traditional MPI are:

May not require extensive underwriting. Most policies we recommend do not require a medical exam and have simplified underwriting. That means we can get an instant decision and same-day coverage for most plans.

Decreased Benefit over time. As your mortgage loan decreases over time, so will the MPI policy decrease in value. Life Insurance policy amounts hold their value and can possibly increase.

Restricted Payout. Traditional MPI companies send the death benefit back to your lender, not your loved ones should they need money for expenses related to your passing (funeral cost, taxes or debt). 

Capped. Traditional MPI will likely be capped at your original mortgage amount. Term Life Insurance and Whole Life can offer higher amounts if you qualify. Term Life is available at lower rates and whole life insurance has a cash value. 

Living Benefits. Having a life insurance policy allows you to access part of the death benefit if you are diagnosed with a critical, chronic or terminal illness. Each carrier has different riders available.

Emotional relief. Having a life insurance in place, you can feel sure that you won't leave your loved ones in financial distress or at risk of losing the home or the equity you have worked so hard to build. Peace of mind, priceless.

 Have you been diagnosed with Cancer or some other major medical condition and been told you were uninsurable? Friend, we have several Carriers who will cover you with Cancer and other major medical conditions. We have a Carrier who is great with insulin dependent diabetics as well. Every family deserves financial security, so we partnered with some of the top carriers just to be able to offer all our clients protection not just our young and healthy ones. We also offer Cancer indemnity and Critical Illness as well as Long Term Care Plans to help prepare for the " What If". 

If you didn't make it home from your shift tomorrow, how would it financially impact your family? How long would your family be able to stay in your home for without causing a financial strain? Can they cover the mortgage and day to day expenses left behind without your income? There is a first responder life insurance program that will protect your family.    I am dedicated to working with First Responders to make sure your families have financial security and peace of mind. Unfortunately, we have said good bye to way too many colleagues over the years. You guys show up in someone else's time of need and we are happy to support YOU and your family in a time of need. You have a high risk job and we want to make sure you are covered. 

Your legacy will live on.  

THANK YOU