protection with a purpose

• Life insurance is a financial safety net designed to protect your loved ones and help build long-term wealth. In the event of your passing, it provides a tax-free payout to your beneficiaries, helping them cover expenses like mortgage payments, education costs, and daily living needs. Some policies also offer savings and investment features that grow over time — giving you added financial flexibility while you're still living.

Types of Life Insurance

• Term Life Insurance | Affordable, temporary coverage for a set period, typically 10, 20, or 30 years | Ideal for income replacement, debt protection, and young families | No cash value; pure protection

• Whole Life Insurance | Permanent coverage that lasts your entire life | Features guaranteed cash value growth and fixed premiums | Can be used for estate planning, legacy building, or borrowing against the policy.

• Universal Life Insurance | Flexible coverage with adjustable premiums and death benefits | Includes a cash value component that can grow based on interest or market performance | Great for long-term planning with investment potential.

• Medicare is a federal health insurance program designed for people age 65 and older that have worked a minimum of 10 years, and individuals (any age) with disabilities. Medicare helps to cover costs such as hospital stays, doctor visits, and prescription drugs. To avoid penalty fees, you must enroll at age 65. 

• Part A (Hospital Insurance): Covers inpatient hospital care, skilled nursing facility stays, hospice care, and some home health services.
• Part B (Medical Insurance): Outpatient care, doc. visits, preventive care, & medical equip.
• Part C (Medicare Advantage): Offered by private insurers, plans combine Part A&B (often Part D), plus dental, vision, and hearing.
• Part D (Prescription Drug Coverage): Helps to pay for prescriptions through standalone plans or Medicare Advantage.

• Supplemental insurance, designed for public employees providing extra financial protection beyond the standard health or workers’ comp benefits. Disability, accident, and critical illness plans are often payroll-deducted. However, when you decide to leave your job, your benefits go with you.

• Provides additional cash benefits to help with lost income or unexpected costs.
• Pays cash directly to you, not to doctors or hospitals, giving you the flexibility to use the money for rent, groceries, childcare, etc.
• Works with other benefits like sick leave, PTO, vacation, or workers’ comp, to fill financial gaps during recovery.
• Available through your employer, often with guaranteed approval. You can take it with you if you leave your job.