Protect what you care about
Life Insurance Basics
Which type of insurance is right for you?
Simple answer...
It depends...on what you want it for
Is it for final expense/burial?
Is it for business planning?
Is it to replace your income?
Is it to help pay for Long Term Care Expenses?
Is it for a cause near and dear to your heart?
Life Insurance is more affordable when you are
younger and healthier!
I discuss these topics
then make my recommendations based on what matters to you!
Options matter!
Would you hire a handyman whose only tool is a
sledge hammer?
Whole Life
Fixed Payment
Guaranteed to be there
Not be a burden on your family
Term Life
For a Fixed Need
Lots of Coverage
Often Convertible Even With Health Issues
Most BANG for Your Dollar
Universal Life
Most Flexible
Great for Business Planning
Good Option for Children
Variable Payment Options
COMPANY
General Disclaimers/Disclosures to Satisfy the Attorneys/Legal Dept
I am a licensed Insurance Agent in any state I do business in
I am not an attorney, I do not give legal advice but I know some if you need one
I am not an accountant, I do not give tax advice but will direct you to talk to one and have some I can introduce
I am not a doctor, I do not give medical advice but I can help look up doctors in your network
I represent multiple carriers so I have more options for you
I mainly do virtual appointments, I live on top of a mountain in the middle of nowhere (about 45 minute to Crossville...you know, the BIG CITY ;)
Most policies are not guaranteed issue aka you have to apply and answer some questions
Your privacy is important to me, if you are referred to me by someone, I might tell them "Thank you for the referral" but will not use your name or discuss our conversation
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 38 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options
Updated 10042024
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