Frequently Asked Questions

 Yes. We are licensed to place insurance products including life insurance, disability insurance, long-term care, and annuities. However, we lead with education — not sales. We will always explain what a product does, what it costs, and whether it genuinely fits your situation before anything is recommended. 

 That's exactly the conversation we have before any product is discussed. We look at your full financial picture — your income, your dependents, your assets, your liabilities, and your goals — and identify where you are genuinely exposed to risk. From there we recommend only the coverage that addresses a real need. If you don't need something, we'll tell you that too. 

 Yes. If you already have coverage in place, we're happy to review it as part of our planning process. We'll assess whether your existing policies are appropriately structured, competitively priced, and still aligned with your current situation. Many people are either underinsured, overinsured, or paying for coverage that no longer fits their life. 

 We work across a full range of personal and business insurance solutions including term life, whole life, universal life, final expense, long-term care, linked benefit, annuities, disability insurance, key person insurance, and business and trust planning solutions including buy-sell agreements and succession planning.