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Coverage across the board. Under one roof.

Most agents stick to one product. I write the whole picture: life, health, retirement, final expense, and the supplementary coverage that fills the gaps your main plan leaves you holding.

Category

Life Insurance

4 products

Whole Life Insurance

Permanent coverage. Cash value you can use.

Permanent life insurance. Pays a death benefit whenever you pass. Builds cash value at a contractually defined rate (with possible dividends on mutual carriers). Cash value borrowable during your lifetime, no application, no credit pull.

When it fits

  • You want coverage that doesn't expire on a 20-year clock.
  • You value contractual guarantees over market upside.
  • Estate planning, business succession, or generational wealth transfer is in the picture.

Plan highlights

  • Permanent coverage as long as premiums are paid.
  • Contractually defined cash value growth.
  • Policy loans against cash value, no underwriting.
Read the Whole Life page

Indexed Universal Life (IUL)

Permanent coverage with index-linked cash value and a floor.

Permanent life insurance with cash value credited based on a market index, capped, floored, and participation-rate-set in the contract. Your money isn't directly in the market. The floor (typically 0%) means index declines don't drag credited interest negative.

When it fits

  • You want permanent coverage and have a 20+ year horizon.
  • You can fund the policy consistently over time.
  • You already max your qualified accounts and want a complementary vehicle.

Plan highlights

  • Index-linked cash value crediting (S&P 500 and other indices).
  • Contractual floor on credited interest (typically 0%).
  • Living-benefit riders for terminal, chronic, and critical illness.
Read the IUL page

Term Life Insurance

Fixed-period coverage. Sized to the mortgage and the income gap.

Policy in force for a defined period (10, 20, or 30 years). Lower premium than permanent because there's no cash value. Pays a death benefit if you pass during the term.

When it fits

  • You need income replacement for a defined period.
  • Mortgage protection sized to the loan balance.
  • You want maximum coverage for the lowest premium.

Plan highlights

  • 10, 20, or 30-year level-premium terms.
  • Lowest premium of any life insurance (no cash value).
  • Conversion privileges to permanent without re-underwriting on quality policies.
Read the Term Life page

Final Expense Coverage

Small permanent policy. Covers funeral costs cleanly.

Permanent life insurance sized for end-of-life expenses, usually $5,000–$50,000. Often available with simplified or no medical underwriting. Premium locked at issue age.

When it fits

  • You want to cover funeral and final bills without burdening family.
  • You're 50–80 and want guaranteed coverage now.
  • Health conditions make standard underwriting expensive or unavailable.

Plan highlights

  • Permanent coverage (does not expire).
  • Premium locked at issue age.
  • Pays directly to beneficiary, bypassing probate.
Read the Final Expense page

Category

Health Insurance

2 products

Private Healthcare Coverage

Off-marketplace plans. Often cheaper for healthy households.

Privately underwritten plans sold outside the ACA marketplace. For healthy households, the self-employed, those between jobs, or earnings above subsidy thresholds, often meaningfully less than marketplace.

When it fits

  • You're healthy and not subsidy-eligible on the marketplace.
  • You're self-employed and paying full freight on the marketplace.
  • You're between jobs and need short-term coverage.

Plan highlights

  • Off-marketplace, privately underwritten plans.
  • Often lower premiums than ACA for healthy higher-income households.
  • Medical underwriting may apply.
Read the Private Healthcare page

ACA Marketplace Coverage

Guaranteed-issue. Subsidies if you qualify. Pre-existing conditions covered.

ACA-compliant plans through the marketplace. Guaranteed issue, required essential health benefits, income-based subsidies for households that qualify.

When it fits

  • You have pre-existing conditions that affect private-market eligibility.
  • You qualify for income-based subsidies or cost-sharing reductions.
  • You're inside an open or special enrollment period.

Plan highlights

  • Guaranteed issue (no medical underwriting).
  • Essential health benefits required by law.
  • Income-based premium subsidies and cost-sharing reductions.
Read the ACA Marketplace page

Category

Supplemental Insurance

1 product

Supplementary Insurance

Coverage for the deductibles and copays your main plan leaves you holding.

The policies that pay for what major medical doesn't: dental, vision, hospital indemnity, accident protection, critical illness, long-term care. Each is a distinct product. Buy stand-alone or paired with major medical to plug gaps.

When it fits

  • Your major medical has gaps (deductibles, copays, OOP max).
  • You want predictable cash benefits when a specific event happens.
  • You have a high-deductible health plan.

Plan highlights

  • Dental, vision, hospital indemnity, accident, critical illness, long-term care.
  • Limited-benefit policies that supplement primary coverage.
  • Cash benefits paid directly to you.
Read the Supplementary page

Category

Annuities

1 product

Annuities

Principal protection and contractual retirement income.

Insurance contracts that credit interest (fixed rate or index-linked) with a contractual floor preventing losses to credited interest from market drops. Used for retirement income and qualified-money repositioning. My practice is limited to fixed and fixed indexed. Variable annuities (securities) are not part of the practice.

When it fits

  • You're within 10 years of retirement, or already retired.
  • You want part of savings sheltered from market declines.
  • You have qualified funds (401(k), 403(b), IRA) you want to reposition.

Plan highlights

  • Fixed rate (MYGA) or index-linked (FIA) interest crediting.
  • Contractual floor on credited interest, typically 0% on FIAs.
  • Optional lifetime income riders for guaranteed payments.
Read the Annuities page

Not sure which one's right for you?

Tell me your goals. I'll walk you through your options and recommendations. Your information stays with me, and only me. I never sell, share, or trade it.

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