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I am a licensed agent with YourLifeInsurance,agency,
a nationality recognized organization offering life
insurance solutions including mortgage protection,
disability, retirement protection, term life and more.
With access to over 30 of the top carriers, I can help you find
personalized coverage to fit your budget.
Let's talk about your future
Your Journey through life will be unique, filled with
successes, triumps, and setbacks. We’d like to protect
all of them. Please use the timeline above or product
selector below to begin your journey.
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Explore Our Products
Retirement Protection Basics
Indexed Universal Life (IUL) policies and annuities are two retirement protection options that offer life insurance and savings potential. These products can help supply the income you need during retirement.
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If you choose a retirement savings plan early on, you will be able to grow this policy and have the income you need during retirement to live the lifestyle you want.
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Annuities and IUL’s come with guarantees that can support those concerned about not having enough retirement income from other sources. With retirement protection your principal balance is always protected – not exposed to market loss.
Yes! Since so many companies offer this coverage, pricing is competitive and therefore affordable.
Most plans are offered with simplified underwriting, so you don’t always have to pass a medical exam to qualify. If you have a pre-existing condition, this can be a less competitive option to qualify for.
If you plan to purchase a home, or you’re already paying a mortgage, you should have this insurance to ensure you’re protected if the unexpected happens.
We are happy to answer any questions you might have. Get in touch with us.
SmartStart Basics
Some of your premium payments cover life insurance costs, while the balance becomes part of the policy’s cash value, which accumulates and grows tax-free.
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SmartStart is life insurance that allows a cash value to build inside the policy. Your child can later access this fund to cover college expenses, a down payment on a home, and more.
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The cash value of the policy accumulates tax-free and its growth is indexed to several indexes with no exposure to market loss. The life insurance component covers your child’s life and protects their future insurability if he or she were to develop a condition later in life that would make it harder to qualify.
Yes! For a healthy child, premiums are surprisingly affordable.
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The best time to buy the SmartStart program is now. Starting sooner means the funds in the cash value component have even more time to accumulate and grow.
We are happy to answer any questions you might have. Get in touch with us.
Critical Illness Basics
If you are diagnosed with a covered condition when the policy is in force, the insurance company will pay you the face amount of the policy, typically in a tax-free lump sum payment.Learn More
A critical illness diagnosis can affect anyone. Having critical illness insurance helps alleviate the financial strain of medical bills, mortgage payments and other expenses so you can focus on getting better.
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The main advantage is peace of mind, knowing you will be financially protected in the event you become seriously ill. The benefit is paid directly to you rather than a hospital or other facility, so you can choose how the money is spent, which can help you budget for treatment costs, household bills, etc.
Yes! Since we have access to insurance products offered by dozens of insurance carriers, this policy can be customized to fit your needs and budget.
In general, most healthy people qualify. Some policies offer simplified underwriting, so you won’t need a medical exam. Policies offering larger lump sum benefits may require a medical exam.
Since none of us can predict when we will need critical illness insurance, the best time to get coverage is now.
We are happy to answer any questions
you might have. Get in touch with us.
Final Expense Basics
Once you qualify, you can purchase final expense at face value, then pay premiums periodically to keep the policy in force. If you die while the policy is active, your beneficiary will receive the death benefit.
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If you don’t have extra funds set aside for final expenses, this policy can help your family members pay any debt you leave behind when you pass away.
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Final expense stays in force if you make payments, and your premiums stay the same for the rest of your life since it is a permanent life insurance plan.
Since we have access to insurance products offered by dozens of insurance carriers, we can help you find a final expense policy with premiums that can fit into your needs and available budget.
Since many carriers offer simplified to guaranteed issue, you may not need to undergo a physical exam to qualify.
Since none of us can predict when we will need final expense insurance, the best time to get coverage is now.
We are happy to answer any questions
you might have. Get in touch with us.
Disability Insurance
Disability insurance can be purchased as a stand-alone policy or as an add-on to your life insurance. If you were to become disabled, your monthly disability income payments can help you continue paying your bills.
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Without disability insurance, your family could be at significant risk if you were to become disabled and couldn’t contribute to household bills.
If you become disabled, this policy helps your family continue paying the mortgage, so you don’t lose your home. This policy also helps avoid the delays and difficulties that might arise when you rely strictly on Social Security Disability.
Yes! This policy is surprisingly affordable. You can tailor your policy to the amount of coverage, the elimination period and the length of time payments would continue after a disability.
Coverage is based on your health and lifestyle as well as your occupation and income. Normally there is no requirement for a physical exam.
Since none of us can predict when we will need disability insurance, the best time to get coverage is now.
We are happy to answer any questions
you might have. Get in touch with us.
Term Life Basics
Like other types of life insurance, you apply for coverage, then the policy is in force when you begin paying premiums. If you die during the policy term, your beneficiaries receive a benefit.
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Term life insurance provides a cash death benefit that can be used to pay off your expenses if you were to die unexpectedly.
Term life insurance is generally affordable, and, in some cases, you can convert your policy to permanent life insurance if you choose. Some term life policies may include a return of premium option, so if you don’t use the benefit, you get your money back.
Yes! Term life insurance is generally the least expensive type of life insurance.
Most healthy people will qualify. You may still qualify if you have pre-existing health problems, though your premium might be higher. Some policies are simplified issue, meaning you shouldn’t need a medical exam to qualify.
Rates are based on your age and health at the time you apply for coverage, so the sooner you apply, the better your chance at locking in a low premium.
We are happy to answer any questions
you might have. Get in touch with us.
Universal Life Basics
Once you apply for coverage and pay your premium, your policy is in force, and you will be covered if you continue to make payments. This is a permanent plan with features like a death benefit and a cash value savings component that can be used to supplement income and pay expenses.
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In the event you die unexpectedly, this policy provides funding for your loved ones to cover any expenses you left behind.
This policy is affordable with tax-advantaged savings and loan and withdrawal features. It also offers premium payment flexibility, so your premium payments and death benefits can be adjusted at certain points.
Premiums are less expensive than a whole life policy, and universal life offers flexible premiums that can offset payments if you needed to halt payments temporarily.
When you apply, you’ll need to answer questions about your health, occupation and lifestyle. Some universal life policies have limited underwriting, meaning you may not need to complete a physical exam.
Sooner rather than later! The younger you are when you buy universal life insurance, the lower your premiums will be.
We are happy to answer any questions
you might have. Get in touch with us.
Mortagage Protection Basics
Once you qualify, you pay premiums based on your
amount of coverage. If you die while the policy is in force
the insurance company provides funds to pay off your mortgage.
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Mortgage protection provides funds to cover an outstanding mortgage balance in the event of your death.
The main benefit is to protect your family in the event you die with an outstanding mortgage balance. This coverage is also easy to purchase, no physical exam is typically required, and rates are generally affordable. Certain policies also offer a return of premium feature, so if you don’t use the benefit, you get your money back.
Yes! Since so many companies offer this coverage, pricing is competitive and therefore affordable.
Most plans are offered with simplified underwriting, so you don’t always have to pass a medical exam to qualify. If you have a pre-existing condition, this can be a less competitive option to qualify for.
If you plan to purchase a home, or you’re already paying a mortgage, you should have this insurance to ensure you’re protected if the unexpected happens.
We are happy to answer any questions
you might have. Get in touch with us.
Helpful Resources
LIFE INSURANCE
ONE YEAR SINCE COVID
DEBT FREE LIFE
HOW TO GET RID OF DEBT FOR GOOD
LIFE INSURANCE
HOW TO PLAN FOR DIFFERENT LIFE STAGES WITH LIFE INSURANCE
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