FAQ

Currently, we offer life, living benefits, volintary , and major health insurance

It’s essential to compare costs, including premiums, deductibles, copays, and out-of-pocket maximums. Check if your preferred doctors and hospitals are in the plan’s network. Consider your healthcare needs, including how often you visit doctors, your regular medications, and any anticipated surgeries. Also, review the plan’s benefits to ensure they cover essential services like mental health and maternity care that meet your needs

Term life insurance provides coverage for a specific period. It is an affordable option compared to whole life insurance and IUL insurance

Whole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the insured individual. As long as the premiums are paid, the beneficiaries receive a death benefit upon the insured’s death. Additionally, whole life insurance policies accumulate cash value over time, which the policyholder can access through loans or withdrawals. This makes whole life insurance a popular choice for individuals who want lifelong coverage and the potential for cash value growth

Index Universal Life (IUL) is a type of permanent life insurance policy that provides a death benefit to your beneficiaries upon passing. However, unlike traditional universal life insurance, IUL policies also offer the potential for cash value growth linked to the performance of a stock market index, such as the S&P 500. This means that your policy’s cash value can increase based on the positive returns of the chosen index, allowing you to accumulate more funds over time. IUL policies generally have a minimum interest rate guarantee, protecting against market downturns

Life insurance with living benefits is a type of policy that provides coverage not only in the event of death but also in the case of certain critical illnesses or accidents. This means that if you were to be diagnosed with a covered illness or experience a covered accident, you may be eligible to receive a portion of your policy’s death benefit while you are still alive. This can help provide financial support to cover medical expenses, living costs, or any other needs you may have during a difficult time. With life insurance and living benefits, you can have peace of mind knowing that you are protected in more ways than one.

I work with A-rated (or higher) insurance and financial companies.
If I’m not currently contracted with a specific company that best fits your needs, I can usually get contracted with them to ensure you have access to the best possible options.

Here are some of the top-rated companies I work with:

• MassMutual
• Northwestern Mutual
• 
  LGA
  OP Term
• North American
• Guardian Life
• Mutual of Omaha
• Lincoln Financial
• Corebridge Financial
  
• Pacific Life
• Protective Life
• AIG
• Nationwide Insurance
• Penn Mutual
• John Hancock Financial
• Prudential Financial
• Banner Life Insurance Company
• Equitable
• Transamerica
• Securian Financial
• Principal Financial
• Amica Mutual Insurance Company
• Corebridge Financial
• Aflac

If you’re exploring whole life insurance, I can also provide a helpful FAQ and guide you on which companies may be best for your situation—including those with the most flexible payment options, like North American

Let me know what your goals are, and I’ll help match you with the right provider.

Our process involves a comprehensive review of your credit reports, identification of discrepancies, creation of personalized dispute letters, and continuous monitoring and follow-up with credit bureaus to rectify errors and improve your credit standing.