Licensed Independent Insurance Broker
Protecting Families & what you value most
Consultations
Let's start with a conversation to review your health history and financial situation to determine what type and the amount of life insurance would be right for you.
Most consultations take 15- 45 minutes depending on how much time you have. I can look into some options right on the spot that offer instant decision policies. The consultation is free and there no obligation to purchase a policy, I will just provide you with options and you can decide what is right for your family.
Understanding your Situation
I need to understand how much protection is needed to help direct you to the best policies for your needs. I need to know things like your age, marital status, children, dependents, income, debts, etc as these are all things you would likely want covered in by a policy.
Identifying Financial Goals
How much do you want to spend monthly? How much total protection do you think you will need? Do you want to be able to use your policy for cash value?
Health Questions
Some policies just need some basic health information, others need more in-depth health exams. Generally people who are healthy who don't smoke or use tobacco with fewer medical conditions pay lower premiums as they are considered lower risk. I understand that health history can be complicated, and I will work with you to shop around with lots of different insurance companies so we can find a product that will work with your health conditions.
Follow Up
I will collect the necessary information to be able to research options for you then we can set up a follow up appointment where we can discuss different options. You may want to consider having your beneficiary attend the meeting if they want to understand the options since they would be the one utilizing them at some point.