Life Insurance — Education First, Solutions When Appropriate
Life insurance isn’t about fear or sales pressure.
It’s about protecting the people you love and making sure your plan works if life doesn’t go as planned.
My role is to help you understand your options, decide what actually fits your situation, and only move forward if it truly makes sense.
What Life Insurance Is (Plain English)
Life insurance provides a tax-free payout to your family if you pass away. That money can help cover:
Income replacement
Mortgage or rent
Childcare and education costs
Debt payoff
Final expenses
Not everyone needs the same type or the same amount.
Who Life Insurance Is For
Life insurance is often a good fit if you:
Have a spouse or kids who depend on your income
Want to protect your family during your working years
Have a mortgage or shared debt
Want peace of mind, not complexity
If you’re financially independent with no dependents, you may not need it — and I’ll tell you that.
Term vs Permanent Insurance (High Level)
Term Life Insurance
Coverage for a set period (10–30 years)
Simple and affordable
Designed for income-replacement years
What most families need
Permanent Life Insurance
Lifetime coverage
Higher cost
Specific use cases (estate planning, special needs, legacy goals)
I focus on helping you understand when term makes sense and when permanent policies may or may not be appropriate.
Common Mistakes I Help People Avoid
Buying too much (or too little) coverage
Paying for policies they don’t understand
Mixing investing and insurance unnecessarily
Keeping old policies that no longer fit their life
How I Help (My Approach)
Education before recommendations
No pressure, no fear tactics
Simple explanations
Compare multiple carriers
Match coverage to your actual goals
I work with Crump, which allows me to shop policies across highly rated insurance carriers instead of being tied to just one company.
That means better options and better pricing for you.
Do You Have to Buy Insurance to Work With Me?
No.
Education and coaching always come first. If insurance is appropriate and you choose to move forward, I can help implement it. If not, you still leave with clarity.
How I’m Paid (Transparency)
If you purchase a life insurance policy, I’m compensated by the insurance carrier.
There is no additional cost to you, and my goal is to recommend only what fits your situation.
Ready for a Simple Conversation?
If you want clarity around life insurance — without pressure or sales tactics — let’s talk.