Frequently Asked Questions

What type of life insurance is best for me—term, whole, or universal?

Your financial objectives, spending limit, and long-term requirements will determine the optimum kind of life insurance. Whole life and universal life insurance provide lifetime protection with additional cash value benefits, while term life insurance is excellent for short-term, reasonably priced coverage. We assist you in evaluating and selecting the best course of action for your particular circumstance.

How do annuities work in retirement planning?

Financial products called annuities convert your savings into a guaranteed retirement income. Depending on when you would like to receive payments, you can select between immediate and deferred annuities. They can be included in a more comprehensive retirement income strategy and are an excellent protection against outliving your funds.

Why do I need disability income protection if I already have health insurance?

Health insurance covers medical bills, but it doesn’t replace your income if you’re unable to work due to illness or injury. Disability income protection helps you maintain financial stability during your recovery by providing a monthly income to help with basic living expenditures.

Do you work with specific insurance companies or offer independent advice?

We are an independent insurance agency, which means we’re not tied to any one provider. This enables us to match you with top-rated insurance companies and products based only on your needs and provide objective, moral insurance advice.