Coverage for every chapter of your life
Whether you're protecting your health today or your family's future, we'll find the right fit together.
Not sure where to start?
I want my family protected if something happens to me. Look at life insurance or mortgage protection.
I need coverage for doctor visits and prescriptions. Look at health insurance.
I want extra cash if I get hurt or seriously sick. Look at accident and critical illness.
I want steady income in retirement. Look at annuities.
Still not sure? That's what the free coverage review is for.
Life insurance
Your love, still showing up for them.
What it is: A policy that pays money to the people you choose if you pass away. You pay a monthly price, called a premium, to keep it active.
Real-life example: Maria has two kids and a mortgage. If something happens to her, her life insurance helps her family keep the house and pay the bills.
Best for: Parents, spouses and partners, homeowners, and business owners.
Term life: Covers you for a set time, like 20 years. Usually the most affordable.
Whole life: Covers you for life. Your price stays the same, and it builds cash value, a savings piece inside the policy.
IUL: Covers you for life, with flexible payments and savings that can grow when the market goes up, within limits set by the policy.
Health insurance
Care when you need it, at a price that fits.
What it is: A plan that helps pay for doctor visits, prescriptions, and hospital care, for individuals and families under 65.
Real-life example: Maria has two kids and a mortgage. If something happens to her, her life insurance helps her family keep the house and pay the bills.
Best for: Anyone who needs coverage of their own: individuals and families, young adults coming off a parent's plan at 26, people whose job doesn't offer benefits, people between jobs, self-employed workers, and early retirees under 65.
We check that your doctors and medicines are covered
We explain your deductible, the amount you pay before the plan starts paying, in simple terms
We find a monthly price that fits your budget
Mortgage protection
Keep your home in the family.
What it is: Life insurance built around your mortgage. If you pass away, the money goes to your family, not the bank, so they can keep the home.
Real-life example: Ana and her husband share a $250,000 mortgage. With mortgage protection, the family could pay off the home if one of them passes away.
Best for: Homeowners with a mortgage, especially families who rely on one or two incomes.
Coverage is usually close to what you owe on your home
Many policies let you use some of the money while you're living if you get seriously ill
It's not PMI, which protects your bank. This protects your family.
Accident and critical illness
Cash when life surprises you.
What it is: Two kinds of extra protection. Accident coverage helps pay your medical bills after an injury, and critical illness coverage pays you a lump sum if you're diagnosed with a serious illness, like cancer, a heart attack, or a stroke.
Real-life example: James breaks his leg playing weekend soccer. His accident coverage helps pay his ER, X-ray, and follow-up bills, with the benefit paid directly to him.
Best for: People with high-deductible health plans, active lifestyles, and families who want an extra cushion.
The money goes to you, not the hospital
Critical illness money can be used for anything: bills, rent, or time off work
Works alongside your health insurance, not instead of it
Annuities
Turn your savings into income you can count on.
What it is: A way to turn your savings into steady income, like a paycheck in retirement. You give an insurance company a lump sum or payments over time, and it pays you income now or later.
Real-life example: Linda is retiring at 65. She uses part of her savings to buy an annuity that pays her a monthly income, so she has a steady paycheck on top of Social Security.
Best for: People nearing or in retirement who want predictable income.
Your money grows tax-deferred: no taxes on the growth until you take it out
Some options protect your money from market drops
Money is meant for the long term, and early withdrawals may have fees
Not sure what you need?
That's exactly what the free coverage review is for. We'll look at your life, your goals, and your budget, and figure it out together.