Areas of Focus

Life Insurance

Life insurance is an essential financial tool for those who have dependents, have final expenses, or are business owners seeking benefits like buy-sell agreements or key-man insurance. It is a common misconception that life insurance is only for married individuals with children. Regardless of your marital status, having this type of coverage ensures that your financial responsibilities are taken care of in the event of your death. It provides a financial safety net, covering everything from outstanding debts to end-of-life costs.

Return of Premium

Are you looking for a life insurance policy that offers coverage and financial return while being flexible to suit your age and lifestyle? Consider a "return of premium" term life insurance policy. This option ensures that if you outlive the term, you'll receive an endowment benefit, essentially refunding your premiums. However, this return excludes extra costs, such as rider premiums and administrative fees, which any outstanding loans or liens may reduce. So, if you don't want to pay for something you might not use, this option is great. It provides immediate peace of mind with future financial flexibility.  

Paycheck Protection

Your most valuable asset is your ability to earn an income. Disability Income Insurance (DI) can help you protect your financial stability by providing a monthly benefit to cover essential expenses like mortgage and utilities if you're unable to work due to illness or injury. Simplify policy selection by determining your benefit amount, benefit period, and elimination period. Optional features like the Return of Premium (ROP) Rider offer additional benefits. Entrepreneurs may consider Business Expense Insurance to cover fixed operational costs during their disability. Make informed decisions for a secure future. 

Annuities

Embark on a journey to understand the stability and growth potential of annuities. An annuity is a financial product designed to provide a reliable stream of income during retirement. By investing in a lump sum or making periodic payments, individuals can secure their financial future. Explore the different types of annuities, including fixed, variable, and indexed, each offering unique features and benefits tailored to diverse needs. Delve into our expert insights on annuity planning, taxation, and strategies for maximizing returns, ensuring you're well-equipped to make informed decisions for a secure retirement.

Employee Benefits

Employee benefits go beyond basic pay and include non-salary perks that affect job satisfaction and retention. Essential offerings are health, dental, vision insurance, retirement plans, and paid time off. Additional benefits like flexible work hours, wellness programs, and tuition reimbursement attract top talent. Innovative companies offer paid parental leave, on-site fitness facilities, and comprehensive insurance plans.

A mix of traditional and modern benefits creates a compelling package that supports personal and professional growth, making the organization attractive to work with.

LegalShield is an affordable legal service offering customized plans for individuals and businesses. The Personal Plan provides legal advice, document reviews, and representation. LegalShield also offers a variety of specialized plans, such as the Small Business Plan and the Commercial Drivers Plan.

LegalShield offers ID Shield, an identity theft protection service powered by Kroll. This service includes full-service identity restoration, social media monitoring, dark web surveillance, and reputation management. LegalShield and ID Shield can be acquired individually or bundled together for flexible protection tailored to your legal needs and modern digital threats. 

Property & Casualty: Coming Soon!

My passion for client success and extensive experience in risk management and financial analysis guide me as I prepare to pursue my P&C insurance license. Stay tuned for tailored solutions and expert guidance for individuals, families, and businesses. Get ready to unlock peace of mind and empower your decisions!