Frequently Asked Questions

I specialize in helping families choose the right life-insurance coverage, including term life insurance, whole life insurance, universal life insurance, mortgage-protection policies, final-expense coverage, and income-protection plans. As an independent life-insurance agent, I compare multiple top-rated carriers to provide clear, honest, and unbiased recommendations tailored to your budget and long-term goals. I’m licensed to serve clients in Utah, Arizona, Nevada, Idaho, Texas, Florida, Ohio, and Michigan, offering simple explanations and personalized guidance for your family’s financial protection.

No. There are no fees for meeting with me or reviewing your options. I’m compensated by the insurance carriers if you choose to put coverage in place — and only if you decide it’s right for you.

No. I’m an independent advisor, which means I compare multiple top-rated carriers to find the coverage that best fits your goals, budget, and family situation.

Not always. Many carriers offer no-medical-exam coverage depending on your age, health, and the type of policy. If an exam is needed, it’s quick, free, and done at your home.

Our first call is just 15 minutes. From there, most people review options the same day and make a decision within a week — depending on how fast you want to move.

I can review your existing coverage to make sure it still fits your needs. Sometimes the best recommendation is to keep what you already have — and I’ll tell you that honestly.

Yes. I offer Disability Income Insurance to protect your paycheck and Long-Term Care solutions to help protect your retirement savings and future care needs.

Absolutely not. My role is to give you clear, transparent information so you can make confident decisions. You only move forward if and when you’re ready.