Protect your family, income and your future on your terms

Life insurance isn’t about paperwork or policies—it’s about making sure the people you care about are financially protected if something unexpected happens to you. My role as a broker is to help you choose coverage that fits your life, goals, and budget.

Below are the main types of life insurance I work with, explained simply and from a client-first perspective.

Term life insurance covers you for a specific period of time—typically 10, 20, or 30 years. If you pass away during that term, the policy pays a tax-free benefit to your loved ones.

When I usually recommend it

• You have a mortgage or rent to protect
• Your family relies on your income
• You want high coverage at the lowest cost 
• You’re focused on protection rather than savings
   

Why clients choose it

• It’s the most affordable way to get meaningful coverage
• Premiums stay the same for the entire term
• Policy is renewable and convertible, meaning it can be converted to a permanent policy
   

Term insurance works best when the goal is income protection during your working years.

Lifetime protection with built-in financial stability

Whole life insurance is designed to last your entire lifetime. As long as premiums are paid, the coverage never expires. It also builds cash value over time.

• You want coverage that never runs out
   
• You’re planning for final expenses or estate planning
   
• You value guaranteed premiums and guarantees in general
   
• You want insurance that can also act as a long-term asset
• Guaranteed lifetime protection
• Predictable, fixed premiums
• Cash value that grows steadily over time
• Peace of mind knowing coverage will always be ther 

Whole life insurance is often chosen by clients who want certainty and long-term planning, not just temporary coverage.

Coverage when medical exams are a concern

No medical exam life insurance allows you to get coverage without physical exams, bloodwork, or lab tests. Approval is based on simple health questions—or sometimes none at all.

When I usually recommend it

• Health conditions make traditional insurance difficult
• You need coverage quickly
• You’re focused on final expenses or smaller coverage amounts
   

Why clients choose it

• Faster approval
• Less stress during the application process
• Access to coverage when other options aren’t available
   

While premiums are usually higher, this option ensures you’re not left without protection.

You choose how your premiums fit into your life

Most policies allow you to pay:

• Monthly 
• Quarterly
• Semi-annually
• Annually
   

I help clients choose the option that balances cash flow and long-term cost, so coverage stays in place without financial strain.

Life insurance protects more than money—it protects:

• Your family’s lifestyle
• Your ability to leave a legacy
• Your peace of mind today
   

The right policy means your loved ones can focus on healing—not fin