I offer several important services for my clients, in regards to planning for their future as well as many "Value Added" services. As an independent agent I can use an array of different companies to devise a plan using the best products available to you. I will take the time to sit down with you on a one on one basis to help you determine what products and services will best suit your needs and budget. The most important services include (not all services listed): 

• NEEDS ANALYSIS  
• MORTGAGE PROTECTION  
• FINANCIAL SERVICES  
• FINAL EXPENSES  
• ESTATE PLANNING  
• ACCIDENTAL DEATH PROTECTION  
• RETIREMENT PLANNING  
• CRITICAL ILLNESS PROTECTION  

Some of my "Value Added" services include: 

• FREE LIVING WILLS  
• FREE CREDIT REPORTS  
• END OF LIFE PLANNING  

NEEDS ANALYSIS
It is crucial to know how much money your loved ones would require to pay the bills in the event of your passing, or in case you suffer from a critical illness, or disability. I will help you to figure out just how much protection you need to ensure that the money is there when you need it for such things as: final expenses, funerals, house payments, children's education, retirement, bills, etc, and work with you to make sure that everything is covered at a price that is within your budget! 

MORTGAGE PROTECTION
Your home is one of your and your family's biggest investments. It makes sense to protect it with the best coverage available. I will provide you with a combination of high quality protection, superior customer service, and the comfort of knowing that, should anything ever happen to you (i.e. death, critical illness, or disability), you and your loved ones will be protected and I will be there to help them. 

FINANCIAL SERVICES
Planning for your future financial requirements is important. I am ready to work with you in order to help determine all of your needs, including: retirement planning, education funding, pension plans, Individual Retirement Accounts, as well as annuities. 

FINAL EXPENSES
Now let's be honest, you will purchase Final Expense coverage not for yourself, but to take the "Financial Burden" off of your loved ones. Also, all benefits are "Income Tax Free", and can go to any beneficiary that you select. Nursing Homes, Hospitals, and other creditors cannot go after your beneficiary's benefits. 

ESTATE PLANNING
I am often surprised at how many people are planning on leaving their heirs a large inheritance, without realizing how much of that inheritance will go to the government. For example a client of mine that was a 65 year old male non-smoker had $10,000 in a savings account that he was planning on leaving to his 2 grandchildren. After he died the money would have been probated and the government would have gotten 28% of the money in taxes leaving the 2 grandchildren $3,600 each. Fortunately, we invested that money into a Single Premium Whole Life, and now after he passes the 2 grandchildren will receive $9,381 each, Tax Free! I have several plans that will help you pass on wealth to your loved ones not only TAX FREE, but with a greater value than you had invested. 

ACCIDENTAL DEATH PROTECTION
Accidents are the 4th leading cause of death, and the number 1 cause of death for people under the age of 55. Accidental death protection is especially important for younger people (persons under 55) and people that work in hazardous jobs (i.e. Firemen, Policemen) or have dangerous hobbies (i.e. ATVing, Hunting). 

MY COMMITMENT AND PLEDGE TO YOU 

I am dedicated to you and am committed to treating you as a person, not a policy. This commitment means I shall:  

• Work with you to identify the insurance and financial services that are right for you, your family or your business, and use my access to multiple companies to deliver those products.  
• Guide you through the claims process for a prompt and fair resolution of your claim.  
• Help solve problems related to your coverage or account.  
• Explain the coverage and options available to you through our agency, at your request.  
• Return your phone calls and emails promptly and respond to your requests in a timely manner.  
• Use my experience and multiple company relationships to customize your coverage as needed.  
• Commit myself to continuing education so I may be more knowledgeable in serving you.  
• Conduct business in an ethical and professional manner.  

I pledge this to you, my client, and ask that you let me know if I fail to meet my commitment, so I may take corrective action.  

Please visit my "Request Quote Page", so that I can have your information to call and assist you, or you can call me today.

Thank you for your valuable time.