Protecting the income everything else depends on

Life insurance

The foundation — replacing income, clearing debt, and funding your family’s future.

• Term insurance for temporary needs like a mortgage or dependent years
• Permanent and participating whole life for lifelong needs
• Coverage sized to your actual gap, not a round number
• Personally-owned coverage that stays with you if you change jobs

Living benefits

The risks that are more likely than death during your working years.

• Disability insurance to replace income if you can’t work
• Critical illness coverage — a lump sum on diagnosis
• Long-term care planning for later life
• A review of what your group plan already covers

Estate & legacy

Keep more in the family, with less delay and less tax.

• Beneficiary planning so assets bypass probate
• Insurance to cover the tax bill on a final return
• Estate equalization among children
• Coordinated with your lawyer and accountant

Wills and legal documents are prepared by a lawyer — I’ll explain why they matter and refer you.

Business owners

Protecting the business and the people who run it.

• Key person insurance
• Buy-sell and shareholder agreement funding
• Corporate-owned life insurance strategies
• Group benefits for your employees