What I Do

With 25 years as an insurance agent, I help individuals and families plan for financial protection by recommending and selling life insurance policies tailored to their needs. I am contracted with over 40 National Life Insurance Carriers.

01

Final Expense Insurance

is a type of life insurance policy designed specifically to cover end-of-life costs, such as:

Funeral and burial expenses
Cremation services
Outstanding medical bills
Small debts

02

Mortgage Protection Insurance

is a type of life insurance designed to help pay off a mortgage if the insured person passes away or becomes disabled. It ensures that the surviving family can stay in their home without the burden of monthly payments. Legal or administrative fees

Pays off the mortgage balance if the insured dies
Can also include disability or critical illness coverage (optional riders)
Typically uses term life insurance, matching the mortgage term (e.g., 15, 20,
30 years)
Beneficiary-controlled: The death benefit goes to the family, not the bank
Level or decreasing coverage (decreasing matches the mortgage balance)

03

Universal Life Insurance (UL)

is a type of permanent life insurance that offers flexible
premiums, a death benefit, and a cash value component that grows over time.

As long as premiums are paid, coverage lasts for life—not just a term.
You can adjust how much and how often you pay (within certain limits).
If you build up enough cash value, you may even skip payments.
Part of your premium goes into a cash value account that earns interest (often based on current market rates).
You can borrow or withdraw from it (though it may reduce the death benefit).
You can increase or decrease the death benefit (with underwriting approval).

04

Term Life Insurance

is a simple and affordable type of life insurance that provides coverage for a specific period of time—usually
10, 20, or 30 years.

You’re covered only for the length of the “term.”
If you pass away during the term, your beneficiaries receive the death benefit.