Other coverage
Sometimes the simpler answer is the right one.
Much of this site is about indexed life insurance, because that's what I spend a lot of time on. But it is not the answer to every question, and pretending otherwise would be a good way to sell you something you don't need.
Annuities — the one most people ask about last
- An annuity is a contract with an insurance company: you hand over a sum, and in exchange you get either growth with a floor under it, or income that keeps arriving for as long as you live — or both, depending on the type.
- Why people come to it late: it solves a problem you don't feel until you're close to retirement. Decades of saving taught you to grow the number. Then you get within a few years of needing the money and the question quietly changes from "how do I grow this?" to "how do I make sure this doesn't run out, and that one bad year doesn't wreck the plan?" Annuities exist for that second question.
- What I'll tell you honestly: your money is less liquid, surrender periods are real and they have teeth, and the riders that sound best are the ones to read hardest. Not every annuity is good, and some are sold far more enthusiastically than they deserve to be.
- Where it fits: pre-retirees who have built something and now want to protect it and turn it into income. If that's where you are, this is probably the conversation to have first, not last.
Mortgage protection
Term life sized to your mortgage, so that if something happens to you, the house gets paid off instead of sold. It's the least glamorous product I write and often the most important one. Cheap, simple, and it does exactly one job well.
Final expense
A smaller permanent policy meant to cover a funeral, the last medical bills, and the odds and ends that follow. The point is that your kids make decisions about your service without also doing arithmetic.
Medicare supplement
Coverage that fills the gaps Original Medicare leaves behind. I'm appointed with multiple carriers, so the conversation is about which plan fits rather than which one I happen to sell.
Debt-free & mortgage-free strategies
A structured way of attacking debt in an order that gets you free years earlier than paying minimums does. It's less a product than a plan, and for some households it's worth more than any policy I could write.
How I decide what to recommend
- Coverage need comes before accumulation. If your family isn't protected yet, we solve that first, with the cheapest thing that does it.
- Cheapest adequate beats most profitable. Term costs a fraction of permanent. When term is the right answer, term is what I'll recommend, and I'll tell you plainly that it pays me less.
- One product per problem. Bundling things that don't need bundling is how people end up over-insured and under-served.
Let's have one honest conversation.
Fifteen minutes. You'll walk away understanding more than you did, whether or not you ever buy anything from me.
Would rather just talk? Call or text 269-341-1986. I answer my own phone.