Life insurance

 Life Insurance is an agreement where clients pay a premium, usually monthly, in exchange for a death benefit that will be paid in the event of the insured’s death. Two of the most common types of life insurance are term insurance and whole life insurance. Whole life insurance is coverage that typically continues for the life of the client. Term insurance ends at a specific time: for example 10, 15, or 30 years. 

Term life insurance

Term insurance is flexible, affordable insurance coverage that is designed to cover many expenses for a given amount of time. Common term periods are 10, 20, or even 30 years. Once the term is done the policy typically ends. Common reasons people seek out term insurance are to cover mortgages, car payments,  or college tuition. These debts are often temporary, and mortgages are typically paid in 20 or 30 years as children go to college typically in their 20s. Getting coverage for only the time you need allows you to reduce the cost of your life policy,  reducing the amount that one may need for permanent whole-life coverage.

Final expense life insurance

Final expense is a form of whole life insurance. The policy stays in effect for as long as the premiums are paid. The goal for these policies is to offer small amounts of coverage for example ($15,000). Their death benefit is often used to cover burial expenses, car payments that may be left over, rent, or to simply leave something extra for loved ones.

Indexed univesal life insurance (IUL)

Indexed universal life insurance (also known as IUL) is a type of life insurance policy that provides a death benefit to a policy holder’s beneficiaries, as well as a savings component that accumulates cash value over time. Unlike traditional universal life policies, indexed universal life insurance allows policy holders to allocate a portion of their premiums to different investment indexes, such as the S&P 500. The cash value of the policy then has the potential to grow based on the performance of those indexes. This unique feature offers policyholders the opportunity to participate in the market gains while also providing a certain level of protection from market downturns. This makes IUL appealing for individuals who need the protection of a death benefit in the event of a sudden loss and also seek a potential growth in their policy’s cash value. Additionally, many IUL policies allow the policy holder to borrow against the cash value of the policy,  providing a source of tax free income that can be useful during a time of financial need or for retirement planning.

   To prevent your premium from increasing over time in an indexed universal life policy, there are a few key strategies to keep in mind. Firstly, it is important to review and understand the policy’s terms and conditions before signing up. This includes knowing the cost structure such as the the surrender fees or any charges associated with loans against the cash value. Secondly, it is important to consider making regular premium payments on time to maintain the the policy’s cash value and prevent any lapses in coverage. Thirdly, if you need to skip payments on your life insurance policy, or borrow against your policy, make sure you contact the insurance company that holds your policy so that they can run illustrations and make sure your premium will stay same. For any concerns, it is a good idea to contact your insurance company to discuss any financial changes or changes in strategy to ensure your premium and cash values continue to perform and meet reasonable expectations.

   An IUL policy can have many benefits when planning for your financial future. The ability to grow your cash value while still providing a death benefit can open the doors to many strategies for increasing financial security and diversifying your assets. Speaking to a professional can help answer any questions you may have and help you determine if an IUL policy is right for you.


We offer life insurance. both whole life final expense and term life insurance to help protect loved one’s from the burdens of expenses that may come from a sudden loss of life in the family.

Many enrolled in Medicare are looking to cap their costs. Navigating the many options and changes in Medicare can be time-consuming, to say the least. We help save time by answering questions on Medicare Advantage plans.

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