Insurance

Life insurance doesn't have to be complicated. We offer straightforward protection that fits your life today and adapts as your needs change. Here's what we offer:

Term / Mortgage Insurance

Think of this as pure protection at its most affordable. You choose the coverage period—5, 10, 15, or 20+ years—and your premiums stay the same throughout. It's simple: the healthier you are, the less you pay. For many families, term insurance offers the most bang for your buck when you need substantial coverage.

Whole Life Insurance

This is lifetime protection with a bonus: it builds cash value over time. Yes, the monthly cost is higher than term insurance, but you're not just buying protection—you're building tax-deferred savings that grow year after year. Our whole life policies are designed to run smoothly with minimal maintenance on your part.

Universal Life Insurance

Want more control over your coverage and investments? Universal life combines permanent protection with flexible investment options. You can adjust your premiums and death benefits as your life changes while building tax-deferred savings that you can access when needed.

Insurance should fit your life, not the other way around. We will help you find the right balance of protection and flexibility—without the confusing jargon. Let's talk about securing your family's future.

Critical Illness Insurance

Critical illness coverage pays if you're diagnosed with any of 24 covered conditions, you'll receive a tax-free lump sum—no strings attached. Use it however you need: replace lost income, explore additional treatment options, hire help around the house, or simply focus on getting better without financial stress. Think of it as a financial cushion that gives you breathing room when you need it most.

Disability Insurance

Disability insurance steps in when you can't, replacing your income so you can focus on recovery instead of worrying about finances. Whether you're running your own business, looking to supplement workplace coverage, or starting from scratch, we'll help you find a plan that fits.

Because the best time to protect your income is while you're still earning it.