Life + health
Two kinds of coverage.
One family in mind.
Start with what you want to protect. We will help you understand the options, the trade-offs, and the questions worth asking.
01 / Life insurance
Leave care.
Not a financial burden.
Eligibility, premiums, benefits, exclusions, and waiting periods vary by carrier and policy. Coverage is not guaranteed by submitting a request.
Final expense insurance
Often a smaller whole life policy, final expense coverage can help your beneficiaries pay funeral costs and other expenses after your death. Ask about health questions, benefit limits, and whether a waiting period applies.
Whole life insurance
Permanent protection designed to last for your lifetime when required premiums are paid and policy terms are met. We can help you review the death benefit, premium schedule, and any cash value provisions.
Other life options to consider
Term life insurance
Coverage for a set period, often used for years when income replacement, a mortgage, or dependents are a priority. Review what happens when the term ends and whether renewal or conversion is available.
Indexed universal life (IUL)
A form of permanent life insurance with flexible features and interest crediting linked to an index, subject to policy limits. It is not a direct investment in the market. Charges, caps, participation rates, and funding requirements matter; insufficient funding can cause a policy to lapse.
02 / Health insurance
Everyday care.
Unexpected moments.
ACA coverage for individuals and families
If you need your own health plan, we can help you explore Affordable Care Act Marketplace coverage. Compare more than the monthly premium: your doctors, prescriptions, deductible, and out-of-pocket limit all belong in the conversation.
Financial assistance may be available depending on your household, income, and eligibility. Enrollment is generally limited to Open Enrollment or a Special Enrollment Period following a qualifying event. Dates and rules vary by marketplace.
- Check the provider network and prescription formulary.
- Understand deductibles, copays, and coinsurance.
- Confirm enrollment eligibility and the coverage start date.
Your next step
You do not need all the answers.
Tell us what matters to you. We can work through the options together.