Protect what matters.
Term and final expense life, plus supplemental coverage for the bills insurance doesn't. Matched to a real goal — protecting a family, covering a mortgage, leaving a legacy.
Life insurance
Term Life Insurance
Level premiums for a fixed period — usually 10, 20, or 30 years. The most affordable way to cover a mortgage, replace income while kids are at home, or protect a business partner.
Best for: income replacement, mortgage protection, and business continuity.
Read the full guide →Final Expense Insurance
Small whole-life policies (typically $10k–$25k) built to cover funeral costs and final bills so your family isn't scrambling. Simplified underwriting; often no medical exam.
Best for: seniors who want to prepay their funeral without a health exam.
Read the full guide →Supplemental coverage
These pay cash directly to you — for the deductibles, copays, and everyday bills your main health plan doesn't cover.
Short-Term Care Insurance
Cash benefits for home care, assisted living, or a nursing facility for up to a year — filling the gap between what Medicare covers and true long-term care.
Best for: 60s and 70s who want basic long-term-care protection without the full LTC premium.
Read the full guide →Hospital Insurance
Pays cash directly to you for a hospital admission — helps cover deductibles, copays, lost income, and everyday bills that don't stop when you're admitted.
Best for: high-deductible health plan holders and Medicare Advantage members.
Read the full guide →Cancer Insurance
Lump-sum benefits paid on a covered cancer diagnosis. Cash goes where you need it — not just to hospitals.
Best for: anyone with family history or a high-deductible medical plan.
Read the full guide →Accident Insurance
Pays cash for injuries, ER visits, imaging, and physical therapy — especially useful for active families and youth athletes.
Best for: active households and families with kids in sports.
Read the full guide →Personal Long-Term Disability
Replaces a portion of your income if you can't work due to illness or injury. Individual policies you own and take with you — not tied to an employer.
Best for: self-employed professionals and W-2 earners without adequate group LTD.
Read the full guide →Common questions
How much life insurance do I need?
A common starting point is 10× your annual income, plus enough to pay off your mortgage and fund college. I'll walk through your real numbers before recommending a coverage amount.
Term or whole life?
For most families, level term life is the right answer — cheapest way to protect income while the kids are home. Whole and final-expense make sense for permanent needs like funeral costs or estate planning.
Do I need a medical exam?
Sometimes — depends on age, coverage amount, and carrier. Many carriers now approve fully underwritten policies with no exam through digital medical records.
Are supplemental plans worth it?
They can be — especially if you're on a high-deductible medical plan or Medicare Advantage. The right supplemental plan pays cash to you, not the hospital, so you can cover the bills insurance doesn't.