I grew up around the life insurance business. My father was a successful broker for over 30 years and still services his many clients, even though he’s technically retired. That is the type work ethic & quality of service that I bring to my business…building relationships with people who don’t want to work with anyone else!
It’s my goal to help each of my clients find the right life insurance solution for their unique situation at a price that makes sense for their budget. I want to become your lifelong resource and someone that you feel comfortable referring to friends & family.
During a free consultation, I’ll gather information about your health, medical history and lifestyle. That allows me to pre-qualify you so that I can look at the right options. That means carriers that will look at your application in the most favorable light.
Your unique level of risk will be considered differently against each insurance company’s underwriting guidelines. You’ll improve your odds of approval, not to mention get the best rates, by applying with the company who’s the best fit for your unique situation.
It all starts with a conversation, either by phone, email or text
We discuss your motivation for looking into life insurance, who you want to protect in the event of your passing, the amount of coverage you would like to consider and the length of time you would like coverage for.
We go over a few questions regarding your health & lifestyle. Research policies to meet your needs, taking into account your unique situation. We discuss available options with top-rated insurance companies.
Application & Underwriting
We complete an application for coverage & guide you through the underwriting process. We review the insurance company’s response and advise if we should accept or “shop” your application to other carriers.
Let me take the guesswork out of choosing the right type of life insurance
|Term Life||Coverage for a specified period of time at affordable rates. Typically 10-30 years, depending on age.|
|No Medical Exam||Life insurance that does not require a medical exam, blood or urine samples. Much quicker to put in place.|
|Living Benefits||New type of policies that provide access to funds while still living if certain health conditions arise.|
|Final Expense/Burial||A form of whole life insurance designed to cover final bills, including, but not limited to, medical & funeral.|
|Guaranteed Issue||No medical underwriting. Approval is guaranteed regardless of health. Often recommended for people with significant health issues.|
|Universal Life||Permanent insurance with flexibility to adjust premiums & death benefit. Much cheaper than whole life.|
Life insurance is by no means a one size fits all purchase. So reach out today and let’s discuss your options!
Owner/Life Insurance Broker