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If you read all this, congrats you're as type A as my wife Jess. This is Josh speaking by the way, I'm the one who handles all of the life and health insurance stuff, there is a lot to it all. Not every policy type is going to be right for each individual and family. That's why its important to have an insurance advisor who is there for the long haul, goes over your policies with you on an annual basis, cares enough to not only get your beneficiary information correct but also have a conversation with them so when the worst does happen they know who to call. My wife and I take this job seriously and while yes at the end of the day this is a job and I only make money off of commissions not conversations its my first priority to do right by those who trust me to be their insurance advisor.
Term Life
Term Life
Simple coverage for the “what ifs” in life.
Affordable protection that lasts for a set period 10, 20, or 30 years designed to cover your biggest responsibilities while life’s still in full swing.
If the unexpected happens, it helps your family keep up with the mortgage, debts, and daily expenses without skipping a beat.
Think of it as peace of mind for your most financially vulnerable years, minus the hefty price tag.
WHOLE LIFE
Protection that grows up right alongside you.
This is lifelong coverage that never clocks out. Your premiums stay steady, your policy builds cash value over time, and in many cases, it can even earn dividends.
It’s not just about protecting your family for the long haul; it’s about building a financial safety net you can tap into later.
Think of it as insurance with a savings side hustle.
FINAL EXPENSE
Because saying goodbye shouldn’t come with a bill.
A simple, no-fuss whole life policy built to cover end-of-life costs — things like funeral expenses, medical bills, or any last-minute surprises life likes to throw in.
It’s one small way to make sure your loved ones can focus on remembering you, not worrying about the paperwork or the price tag.
CRITICAL ILLNESS
Because bills don’t take sick days.
If you’re ever diagnosed with a serious condition like cancer, a heart attack, or a stroke, this policy pays you a lump sum to help shoulder the load.
Use it for whatever keeps life running smoothly: medical costs, groceries, mortgage payments, or even that streaming subscription that keeps your sanity intact.
It’s peace of mind that lets you focus on what actually matters, getting better.
INDEXED UNIVERSAL LIFE (IUL)
Protection that plays the long game.
A flexible, permanent policy that does more than just sit there — it builds cash value tied to market indexes like the S&P 500, so your money has room to grow while staying protected from downturns.
You can tweak your premiums, adjust your coverage, and watch your policy evolve with you.
It’s lifelong protection with a side of growth potential — kind of like insurance that’s finally learned to multitask.
DEBT-FREE LIFE
Because freedom feels better than interest payments.
This approach uses cash-value life insurance to do double duty, knocking down your debt while building savings and long-term protection for your family.
It’s a smart way to get out of debt faster, grow your financial cushion, and finally trade “what do I owe?” for “what do I own.”
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