Individuals and families

Health coverage can be obtained from an employer, association or health insurance marketplace.  Depending on the circumstance, a person can apply for either an individual or family plan. Both have certain requirements based on age, family size and in some cases, income. When shopping for coverage, it’s important to understand the differences between the two.

Insurance Policies

Term Insurance

Term life insurance or term assurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

Universal Life Insurance

Universal life (UL) insurance is a form of permanent life insurance with an investment savings element plus low premiums. The price tag on universal life (UL) insurance is the minimum amount of a premium payment required to keep the policy. ... Unlike term life insurance, a UL insurance policy can accumulate cash value

Whole Life Insurance

Whole life insurance, is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date. As a life insurance policy it represents a contract between the insured and insurer that as long as the contract terms are met, the insurer will pay the death benefit of the policy to the policy's beneficiaries when the insured dies. Because whole life policies are guaranteed to remain in force as long as the required premiums are paid, the premiums are typically much higher than those of term life insurance where the premium is fixed only for a limited term. Whole life premiums are fixed, based on the age of issue, and usually do not increase with age. The insured party normally pays premiums until death, except for limited pay policies which may be paid up in 10 years, 20 years, or at age 65. Whole life insurance belongs to the cash value category of life insurance, which also includes universal life, variable life, and endowment policies.

Cash Value Life Insurance

Cash value life insurance is a type of permanent life insurance that includes an investment feature. Cash value is the portion of your policy that earns interest and may be available for you to withdraw or borrow against in case of an emergency. ... Whole life insurance.

Income Replacement

Income replacement calculates an individual's human life value. This includes your annual income, current income producing assets and total net-worth. Once calculated we suggest 10 or 20 times that total amount of your human life value. Our goal is to make sure in the event of an untimely death there is sufficient funds available for the family to move forward without having to liquid assets because of a shortfall of capital needed to protect assets and taxation.

Mortgage Protection

Mortgage life insurance is a form of insurance specifically designed to protect a repayment mortgage. If the policyholder were to die while the mortgage life insurance was in force, the policy would pay out a capital sum that will be just sufficient to repay the outstanding mortgage

College Savings

There are many ways to pay for college. Our goal is to introduce a concept that would help provide secondary options for college funding and its effects on tuition and taxes involved with college planning.


People use life insurance for many reasons. Gifting provides participants a transfer of wealth from one party to another under the IRS tax law that allows annual gifting limits for $15,000 per person, $30,000 per married couple. There is no limit to the number of recipients you can give a gift to. There is also a lifetime exemption of $11.58 million.

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