Your love ones depend on you and your ability to earn an income.

Many financial expert suggest that families need an emergency fund for six months of total household expenses. Now is the time to look into planning for unexpected life events using life insurance as part of your financial portfolio.

If you were to suffer a critical illness or injury, 1 of 2 things will happen–you will either die or you will survive. Proper insurance planning can help by providing money when you and your family need it most.

If you die, life insurance can provide money that can be used to help meet the continuing needs and obligations your family may face such as lost income, paying off the mortgage, paying for a child’s education or final expenses.

If you survive, you need to consider how much income is needed to pay your monthly bills such as, mortgage/rent, auto loans, credit cards, utilities, medical–you get the idea. If a critical illness or injury left you unable to work for a time period, how long could your family financially survive?

It’s never too early to start planning for your financial future. For more information on life insurance with living benefits, visit my website.                                                 

Your full retirement age, as it pertains to Social Security, is based on the year that you were born. For people born before 1955, they can claim unreduced benefits at age 66. For those who are born in 1955 and later, the age for benefits is 67.

So what exactly is "full retirement age?" It is the age at which a person may first become entitled to full or unreduced retirement benefits.

The earliest that you can claim Social Security is at age 62--and most people file for their benefits before they reach their full retirement age.

It's very important that American citizens pay attention to Social Security. For most people, Social Security is their biggest source of guaranteed retirement income that they will have.

For more information on full retirement age, click here.


It’s one of those middle of the night worries.

What if you got too sick or hurt to work? How would your family continue to pay the bills? And even if you have disability insurance through your employer, is that enough?

An individual disability income policy can help. The benefits are tax-free, and the policy is yours–even if you change jobs.

Still have questions regarding disability insurance? watch this video


Everyday, your income helps to pay for living expenses, but it also gives you the chance to do things you love to do. What would happen to your daily bills, etc., if a serious illness or accident were to happen?

Income protection--disability insurance, is an insurance policy that pays you benefits, just like a monthly paycheck, if you can't work because of an illness, like cancer or stroke, or if you were to suffer an injury that occurs while you are employed. You may be surprised at a recent disability statistic: 1 in 4 of today's 20-year-olds will become disabled before they retire. Illness and injuries can happen to anyone at anytime.

Take comfort in knowing that you will be able to maintain your current lifestyle no matter what life brings you by insuring your number one asset--your income.

To calculate your income protection needs, click here.


The fitness craze is here to stay. Everyday, new diets and workout regimens are formulated, all with the idea to make us healthier, happier and to live a longer life. Your Vitality Age can give you a snapshot of your overall health

What does Vitality Age, fitness and good, healthy eating have to do with life insurance? Well for one thing, if you want to protect your loved ones financially in the event of your premature death, the healthier you are when applying for coverage, the lower your premium (cost of the policy) will be.

Insurance companies, like John Hancock, recognize how important a healthy lifestyle is during the process of applying for life insurance, as well as maintaining that healthy lifestyle throughout the life of the insureds policy. John Hancock’s Vitality program awards valuable rewards to its insured, just by simply living a healthy life. The healthier lifestyle, the more rewards and savings are possible.

This innovative life insurance solution provides the opportunity to significantly lower annual premiums, help organize personal health goals and provides a free FitBit to help track the insureds progress. In addition, there are discounts from various entertainment, shopping and travel companies.

Your Vitality Age is an indicator of your overall health and wellness. To discover your Vitality Age, click here.


When it comes to retirement planning, are your looking for more potential annual income or more guarantees?

With some permanent life insurance policies, some will focus on “guaranteeing” that coverage will be there when you need it. Others provide the potential for tax-advantaged, cash benefits, which can be used to supplement retirement income.

Which one is right for you? Income, guarantees, or both?

For more information, check out Quality of Life…Insurance, by AIG.


There are three common misconceptions that prevent many young families from investing in the life insurance that they need. They are:

  1. Life insurance is only needed on the primary breadwinner of the family. If your paycheck is smaller than the primary breadwinner, your income is still needed for your family to maintain their quality of life. If you or your spouse do not work outside of the home, life insurance on the stay-at-home parent is still needed to replace valuable services that are lost such as, childcare, cooking, household work and management.
  2. When my term life insurance policy ends, it will be easy to renew the policy. Term life insurance provides protection for a specific amount of time (and usually at a low cost) and can be a good fit for those who feel that their financial needs will change or disappear overtime, such as a mortgage or a child's education. But because life insurance premiums increase with age-and declining health, renewing a term policy can be very expensive.
  3. My family and I only need term life insurance. Again, term is good for a specific amount of time, but many families realize that their need for life insurance continues because they want to provide an income for a surviving spouse, send a child to college or paying off debt. Permanent life insurance not only provides a death benefit to your beneficiaries, but it also provides lifelong protection with the ability to accumulate cash value on a tax-deferred basis. The cash value can be accessed for many important uses mentioned above, as well as supplementing your retirement income.
  4. If you were to die unexpectedly, the life insurance you invest in is there to make sure your loved ones can maintain their standard of living and keep their future plans on track. For more information on term and permanent life insurance solutions, send me an email.

Are you prepared for getting seriously ill or living longer than you expected?

Did you know that:

  • Most Americans spend over 20 years in retirement
  • 91% of elderly citizens have at least one chronic condition and 73% have two or more
  • The number of Americans who need long-term care will more than double by 2050
  • 44% of parents provide support with living expenses for their 18-29 year old children

Many people are unaware that life insurance can be a powerful wealth accumulation vehicle for their retirement years. Using life insurance products can help you accumulate and access tax-deferred funds, increase life insurance benefits without increasing premiums and provide lock-in options that can provide guaranteed income.

It's a fact that many Americans are not saving enough for retirement. It's also a fact that market volatility can put retirement income--your future income, at risk.

Are you saving enough? If using life insurance to help you supplement your retirement income sounds like a worthy investment to you, send me an email for more information.


You probably already know about the benefits of a traditional life insurance policy--to provide a death benefit to your loved ones in the event of your premature death.

But what if you were diagnosed with cancer or were to suffer a stroke or heart attack and survive? What would be your financial needs during a critical or long-term chronic illness?

Quality of Life...Insurance, offered by American General, addresses these concerns with it's Accelerated Benefit Riders (ABRs) for chronic, critical and terminal illness.

QoL Flex Term product gives you the additional protection and flexibility to receive benefits from your policy if you were to suffer a qualifying illness or condition. Plus, there is a conversion option that allows you to upgrade to a permanent Quality of Life...Insurance policy if your needs change.

This additional protection is offered at prices that are extremely competitive when compared to other life insurance carriers, such as Banner Life, Mutual of Omaha, North American and many more.

QoL Flex Term policy is an attractive term insurance product that can provide you with a noticeable value by offering more than just a death benefit. It's also a chance to help improve your quality of life in case of a critical or chronic illness.

Quality of Life...Insurance: It's life insurance you don't have to die to use.

For more information on QoL products, contact me.


Just about everyone with a family knows that traditional life insurance is designed to provide financial security for their loved ones in the event of their premature death. Yet, there are still many people who have never applied for this protection.

If you are one of those people still not sure you need to invest in traditional life insurance, would you consider a life insurance product that you can access to help pay bills while you are still living?

I know it sounds too good to be true, but many insurance companies are now providing Accelerated Benefit Riders to their life insurance policies that do just that--advance a portion of the insured's death benefit in case of a qualifying illness or condition.

The use of an Accelerated Benefit Rider can help defray the cost of a qualifying critical illness such as a major heart attack, invasive cancer or a stroke. These riders can act like a disability income policy by allowing you to pay your bills if you are unable to work due to a sickness or serious accident.

Still not convinced that you would ever need a life insurance policy, even with Accelerated Benefits? Listen to Chris' story here.


Life insurance is more than just a death benefit. Use your permanent life insurance policy to:

  • Fund retirement
  • Save for college
  • Start a business
  • Pay down debt

Let life insurance become a valuable resource to you and your family while you are alive. Click here for more information.


New beginnings can happen to you at any age.

  • Millennials are new to the work force.
  • Generation Xer's are busy growing their families and/or supporting elderly parents.
  • Baby Boomers have lived the longest, but can still experience new beginnings such as a new home, new job or new marriage.

No matter what generation you belong to, change is always around the corner.

Whatever new beginnings life has in store for you, life insurance can provide both protection for your loved ones while offering access to cash while you are still living.

New beginnings can happen at any generation. Contact me for the right life solutions for you and your family.