• How do you know you have enough of the right insurance?

• Is it worth 15 minutes to review your current policies to be sure you have the right amount and type of insurance.

• Free, no obligation summary and advice.

• Can’t get Life Insurance? Let me help. I work with excellent insurers to offer plans for “hard to insure” clients.

Personal Insurance 

Whether you believe Insurance is about providing a safety net or managing risk, you’re right!

Having insurance means less stress in your life if something doesn’t go according to plan. Just like car insurance can replace your vehicle from a collision, personal insurance can replace your ability to earn a living, make a mortgage payment, cover unexpected health costs and much more, all while providing peace of mind to you and your family.
And just as important as the insurance, is your Advisor. Someone who can explain the many options available and what would be the best alternatives to meet your specific needs and expectations. That’s where I can help; we can find the right coverage at a reasonable premium for your specific needs.

Health Insurance

When you’re single, having Health Insurance removes the nuisance of having to pay for the occasional prescription. But when you have a partner and have a family, prescriptions for medicine, visits to the dentist or optician can all add up to be a staggering cost that could impact any family budget. We all want what’s best for our family and its reassuring knowing that we have one less thing to worry about.

Disability Insurance

Disability Insurance can accomplish two things; it can replace your lost income while you are sick or disabled, plus it can cover the unexpected costs associated with non-covered medical expenses and rehabilitation costs. Many people are surprised, even shocked by the things they need to pay for “out-of- pocket” arising from convalescence costs. Disability Insurance  helps you weather the storm.

Critical Illness Insurance

In some instances, a medical emergency, a longer term or life-threatening critical illness may result in higher treatment or convalescence costs not fully covered by traditional health insurance, that’s where critical illness insurance will help. A lump sum, tax-free benefit can help with specialty care or home renovations to make your house more accessible and comfortable.

Annuities

An annuity is a long-term investment product designed to provide a guaranteed monthly income stream over a pre-determined time frame. Insurance companies will, based upon your monetary contribution, provide a pay-out plan to provide you and/or your partner a one-time payout or monthly income for a set number of years or for life.

Help

As an independent insurance advisor, I work only with reputable and established companies. This ensures you receive only the best product options for your current and future health and family situation. It all starts with a friendly chat about you; I listen, ask questions, and listen some more. Once we know where we are, we can figure out where we need to be.