Major Medical/Health Savings Account (HSA)

If you are responsible for providing your own health insurance, we need to talk. If you have group health insurance, we still need to talk.  There are many major medical options available in the marketplace today. You should be aware of all your options.  I can show you how to reduce the cost of insurance and increase your savings in a dramatic way.  Start the learning process today.  Submit the contact form on the contact page for a free phone consultation.

Disability Income Insurance

Your ability to go to work and bring home a paycheck is foundational to everything you want to accomplish financially in your life.

We've all heard the magic question: which would you insure, the goose or the golden egg? The truth is that, while the answer seems obvious, most of us instead do just the opposite.

We don't insure the goose (our paycheck) that affords us everything. This is especially true if you  are self-employed and depend only  on your back, your hands, your brain, and your winning personality for your livelihood!!


Critical Illness Insurance

Have you ever known  anyone who suffered a major illness and survived? Oftentimes, the financial landscape is left in ruins. One such survivor dubbed it "Economic Death."

Key point: the major illness may not have resulted in a period of Disability which would generate a Disability Income benefit.

Critical Illness Insurance is often called a financial recovery plan. It infuses a large tax-free cash benefit at a time when there is going to be a great demand on cash-- because many of the expenses associated with surviving a major illness are not covered by major medical insurance.

Critical Illness benefits will help avoid the financial hardship caused by a major illness.


Life Insurance

Life Insurance is a benefit for the living. If you have dependents, you probably need life insurance. If you have some institution or cause that  you want to benefit from beyond the grave, you may want to consider life insurance.

There are two general types of Life Insurance: Term and Permanent. The proper choice for you is going to depend on how long you will need the  potential insurance benefit to remain in place for your potential beneficiaries. Many people need some of each, but that can only be determined by closely examining your situation and your wishes.