Insurance made clear and personal.

• Auto and commercial vehicle coverage
• Homeowners and umbrella protection
• Renters and condo insurance
• Business general liability and workers comp
• Life and financial protection
• Accidental death and income replacement

Term life

Term life is simple protection for a set period of time like 10 or 20 years. It is usually the lowest monthly cost.

• Covers you during key years while kids are growing or a mortgage is in place.
• Higher coverage amounts can be more affordable than permanent life insurance.
• Good for income replacement and mortgage protection during your main working years.

Return of Premium term

Return of Premium term works like term life but if you outlive the term you can get close to your money back.

• Protection during the term just like regular term life.
• If you keep the policy to the end you can receive back most of what you paid in premiums.
• Feels like a forced savings plan you can use later for debt savings or another strategy.

Whole life

Whole life is permanent coverage with a fixed monthly payment and steady cash value growth.

• Lifetime coverage as long as premiums are paid.
• Premiums are designed to stay the same so it is easier to plan long term.
• Cash value grows slowly and does not depend on the stock market.
• Can help with final expenses or emergencies while still leaving a benefit to your family.

Indexed Universal Life

Indexed Universal Life is flexible life insurance with a savings bucket that can grow over time.

• Flexible premium structure so you can increase or decrease funding within limits.
• Cash value is tied to market indexes with downside protection not invested directly in stocks.
• Possible to use the cash value later for big goals emergencies or retirement income.
• The life insurance can still pay the remaining amount to your family when you pass away.

Indexed Universal Life (Juvenile)

An Indexed Universal Life Juvenile policy is designed for children or young adults so you can lock in protection and long term savings early.

• Covers a child or young adult while they are generally younger and healthier.
• Premiums are based on their age which can keep the cost more manageable.
• A portion of what you pay goes into a cash value bucket that can grow over many years.
• Later in life they may be able to use the cash value for goals like education a first home or retirement support while keeping coverage.

During our appointment we can look at whether a simple term plan a Return of Premium option or a mix with Whole Life and Indexed Universal Life Juvenile makes the most sense for your family.

We can set up protection for your business so your work vehicles and your company are not exposed if something happens.

• Commercial auto for contractors and small fleets
• Business owners policy for offices shops and salons
• General liability when a job location or client asks for proof of insurance
• Workers compensation when you have employees on payroll

Bring your current policies or we can start from the beginning and build something that matches how your business runs day to day.