Services
Term Life Insurance
Affordable, straightforward protection for a set period.
Term Life Insurance provides coverage for a specific "term"—usually 10, 20, or 30 years. It is designed to provide a high death benefit for the lowest possible cost, making it an ideal choice for young families or those looking to cover specific debts.
Fixed Premiums: Your rates stay the same for the entire duration of the policy.
Simple Coverage: If you pass away during the term, your beneficiaries receive a tax-free payout.
Cost-Effective: Typically the most affordable way to secure significant financial protection.
Best For: Replacing income during working years, covering a mortgage, or ensuring children’s tuition is funded.
Cash Value (Whole Life) Insurance
Permanent protection with a built-in savings component.
Whole Life Insurance provides coverage for your entire lifetime, as long as premiums are paid. Unlike term insurance, it includes a "cash value" component that grows over time, acting as a financial asset you can utilize while you are still living.
Lifetime Coverage: Your policy never expires, providing peace of mind for the long haul.
Cash Value Accumulation: A portion of your premium grows at a guaranteed rate, which you can borrow against or withdraw in times of need or to fund your dreams.
Level Premiums: Your costs will never increase, regardless of changes to your health or age.
Best For: Estate planning, final expenses, or individuals looking for a simple way to build tax-deferred generational wealth.
-
It’s the most common question, and the most encouraging answer is that it’s entirely tailored to you! The factors that influence the cost are simple: your age (the younger you are, the better the rate!), your current health profile, and the coverage amount you desire. My goal is always to find a policy that feels comfortable—both in coverage and in budget. And no, there are no agent fees!
-
Yes, now is the perfect time! Life insurance is priced based on your current health and age, meaning that the younger and healthier you are, the lower your premium will be—and it can often be locked in for decades. Securing a policy now ensures you get the best rate possible, providing peace of mind early on, even if you don't feel like you "need" it yet. Your future self will thank you.
-
It depends on the type of policy you choose. Permanent (whole life) life insurance policies include a feature called "cash value," which grows over time on a tax-deferred basis. You can often borrow against this cash value or make withdrawals to use for things like retirement, tuition, or unexpected expenses. We can explore these modern options during your life insurance call to see how they might serve your financial future.
-
Absolutely! In fact, it is highly encouraged. Many parents choose to purchase a children's whole life insurance policy, which is often very affordable. This gives your child a small policy that is guaranteed to be convertible to a larger policy later in life, regardless of any future health challenges they might face. It's a wonderful way to protect their future insurability and ensure they have a foundation for financial growth later on.
-
When you call a big insurance company, you’re just a policy number. When you work with me, you’re a neighbor and a partner. Because I am an independent broker, I don’t answer to a corporate headquarters—I answer to you. I have the freedom to shop around and compare different carriers to find the exact plan that fits your budget and your specific goals. I take the time to explain the fine print so that when you sign your name, you do so with total confidence. Once you become a client of mine, you will have a dedicated life insurance agent for life that you can always call when you have questions, need to make changes, or invest in other plans.
Frequently Asked Questions
When you’re ready, click the button below so that we can start building your beautiful legacy!