One broker. A shelf full of carriers.
I'm not captive to a single insurance company. I shop your situation across many carriers and bring back the coverage that actually fits your health, your budget, and the people you're protecting.
No cost to work with me. Carriers pay the broker, so my time doesn't come out of your pocket.
Licensed in 22 states
- PA
- AL
- AZ
- DE
- IN
- KY
- MD
- MI
- MS
- MO
- NV
- NJ
- NM
- NC
- OH
- OR
- SC
- TN
- TX
- VA
- WV
- WI
National Producer Number 22292434. Not licensed in every state — if yours isn't listed, call and I'll tell you straight.
What I can put in front of you
Every product below solves a different problem. Most people need one or two, not all of them. Part of my job is telling you which ones you can skip.
Final expense
Small whole life policies built to cover a funeral, burial, and the bills that follow. Coverage that never expires and a premium that never goes up.
Term life
The most coverage for the least money, for a set number of years. Usually the right answer when you have kids at home or a mortgage on the books.
Mortgage protection
Coverage sized to your loan balance so your family can stay in the house if something happens to the person making the payment.
Whole life
Permanent coverage with a guaranteed death benefit and cash value that builds over time. Predictable, and it doesn't run out on you.
Indexed universal life
Permanent coverage with cash value tied to a market index, with a floor that protects you in down years. Flexible, but it needs to be funded properly.
Annuities
A way to turn savings into income you can't outlive, or to move money somewhere it isn't exposed to the next market drop.
Why a broker instead of one company
An agent who works for one insurance company can only offer you what that company sells. If their underwriting doesn't like your blood pressure, your medication, or your age, that's the end of the conversation.
I'm appointed with a lot of carriers, and they price risk differently from each other. The same person can be declined by one company and approved at the best rate by another. I know which carriers are friendly to which situations, so I send your application where it's most likely to be approved at the lowest price — not where it happens to be convenient for me.
Common questions
What does it cost to work with you?
Nothing. Insurance carriers pay brokers a commission, and it's already built into the rates the state approves. Your premium is the same whether you buy through me or directly from the company.
Do I have to take a medical exam?
Often no. Many carriers now approve coverage using a health questionnaire and a database check, with a decision in minutes. Exam-based policies still exist and are sometimes cheaper for healthy applicants, so I'll show you both when it matters.
Can I get covered with health problems?
Usually. Diabetes, heart conditions, cancer history, COPD, and most common conditions are insurable somewhere — the price and the waiting period depend on the carrier and the details. Tell me the truth about your health and I'll tell you the truth about your options.
How much coverage do I actually need?
It depends on what you're trying to protect. A burial costs far less than replacing an income for twenty years. We'll add up what you'd want covered and work from there instead of guessing at a round number.
Isn't my coverage at work enough?
It's a good start, but it usually ends when the job does and it's rarely large enough on its own. A personal policy belongs to you and follows you between employers.
How long does it take to get covered?
Some policies are approved the same day you apply. Others go through underwriting and take a few weeks. I'll tell you which track you're on before you sign anything.
Are you going to pressure me?
No. If the answer is that you don't need what I sell, or that what you already have is fine, that's what I'll tell you.
Let's find out what you qualify for
Send your information over and I'll get back to you, or call and we'll sort it out on the phone in a few minutes.