Insurance

Life | Disability | Annuities & More

Life Insurance

Life insurance is so important and sadly, because it means talking about your disability or death, most people tend to avoid the topic. Life insurance helps your loved ones continue to thrive after your death, and allows them the capital needed to pay off your outstanding debt and have some money to take care of your last wishes; all while providing them some funds to live on.

There are a few versions of life insurance that you can choose from, which are:

Whole Life : When you can afford it, this is the BEST form of insurance to purchase. Whole life is good for your entire life either up to 100 where they will pay out your benefit if you survive to that age, or when ever your pass away; whichever comes first. Whole life builds cash value that you can use to borrow from or have it pay your premiums when you build up enough equity. There are so many versions of whole life based on the options they provide and the needs you have through various riders or package perks. Its BEST to buy any life insurance as young as possible because your premium is based on your age and *gender in some cases. For example at $20,000.00 whole life policy for someone who is 50 will be significantly higher than someone that buys it at age 21. Premiums are level, which means they stay the same (unless you have an increasing premium till level) and it can’t be cancelled based on health conditions that arose while being insured.

Term Life : Term is the way most people go with life insurance due to it’s affordability. Term got its name because it terminates after a certain amount of years. Sometimes it can be extended, sometimes it can’t. Sometimes it’s convertible meaning you can convert it to Whole Life without providing insurability sometimes it’s not. All Group Life Insurance is term life. You can also add term life with your whole life to give you extra coverage. It does not build cash value, and will only pay out a benefit upon your death.

Other Insurance Needs

We offer a wide range of supplemental insurance products that help you in your time of need. When it comes to these services we tend to overlook them, because we only think about when we pass away, but not when we get injured or disabled. What would you do with loss of income, high deductibles and co-pays, unexpected expenses due to an ER visit, or if you go blind, lose your hearing or have an accident that costs you a limb. Would you be able to pay the bills, keep food on the table? All important questions we should consider when shopping for supplemental policies.

Some coverage we offer:

Long Term Disability
Loss of Income
Accidental Death & Dismemberment
Critical Illness Coverage
Accident Insurance
and many more.

Schedule a free, no obligation consultation to discuss these supplemental policies, life insurance policies as we focus on your needs and find a potential solution for your budget and secure those gaps.

Group vs. Individual

We offer solutions for both the individual and group (businesses & organizations). If you are a business looking to provide quality benefits for your hard working employees or you just want to protect your family individually we have a solution for YOU!

My Insurance Testimonial

Why did I choose to sell insurance rather than ANYTHING else? That answer evolved from a series of events that took place in 2022/2023. It was two days after Thanksgiving 2022, I just finished having an amazing time with my family as we cooked Thanksgiving dinner and enjoyed the food after. Looking around nobody even had the slightest inkling of being sick.

That Monday morning, I woke to a frantic call that someone I cared about greatly in my family is being rushed to the hospital. Upon getting there I soon realized she suffered a heart attack. She luckily recovered but honestly was never the same. Then in March 2023, she suffered another major heart attack and was diagnosed with COPD. She almost died. She left the hospital almost 30 days later, unable to walk and function for herself. Her quality of life went to zero in seconds. She rehabbed herself and eventually got to 85% where she was before the heart attacks.

As you can imagine the hospital bill that occurred with those two ICU stays. 7 days and 30 plus days. It put her into financial ruin. She had no life insurance or any kind of supplementals that would help provide cash through this ordeal and helped her avoid a devastating financial situation she now sits with. The cold hard facts, if she died the fallout for the family in this situation would have been catastrophic.

I saw what happened to her and her family; plus how they would face tough situations like not having enough money to dispose of her body to her wishes. Couldn’t pay off her mortgage, cars anything. Since she survived there was no money to help her offset these bills. I don’t want anyone to go through what I have.

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