What I Offer
Expertise. Intuition. Ingenuity.
Life Insurance
Expert Guidance
Life insurance helps protect the financial security of the people who matter most, should something happen to you. It is also a crucial component of estate planning.
There are 2 main types of life insurance:
Term life insurance policies are temporary and provide death benefits only.
Permanent life insurance policies provide death benefit coverage immediately, plus build up cash value over time. Universal life insurance is a type of permanent insurance.
Health Insurance
Path to Health Care and Wellness
Health insurance protects you and your family from the financial impact of illness, accidents and disability.
There are 4 main types of health insurance:
Personal health insurance helps pays for health expenses such as prescription drugs, dental and vision care.
Critical illness insurance helps pay the costs associated with surviving a life-altering illness.
Long-term care insurance helps cover the cost when you require substantial assistance from others due to your diminished physical or mental abilities.
Disability insurance helps protect your income if you become disabled and can't work.
Endowment
A Comprehensive Approach
An endowment policy is an insurance policy that provides life coverage, but that pays a sum of money if the policyholder is stillalive after an agreed period of time.
​
It is designed to provide a lump sum on maturity.
​
It will also pay you a fixed amount on a set date or if you die before that date; in other words it's both a way of saving and a life insurance policy.
​
An endowment policy is an insurance policy that provides life coverage, but that pays a sum of money if the policyholder is still alive after an agreed period of time.
Whole Life Insurance
A Comprehensive Approach
​
Whole life insurance is a life insurance policy that continuesf or the insured's whole life and requires premiums to be paid every year into the policy.
​
Some term policies are convertible to whole life insurance at any time without evidence of insurability.
​
Whole life insurance is permanent level insurance protection for the whole of life, from policy issue to the death of the insured.
​
Whole life insurance is a life insurance policy that continues for the insured's whole life and requires premiums to be paid every year into the policy.