PRIVATE CONSULTS

When consulting with us you will be communicating with a Certified Life Underwriter each with 20+ years of life insurance design and underwriting experience.

Health Issues

If you have health issues you very likely can still get life insurance coverage. Please give us a call or email us about your health situation. We can then appropriately guide and advise you of your likely health classification range and cost of coverage. We can then match you with the best company to apply for based on your personal health issues. Depending on medications, height/weight, surgeries, procedures, hazardous hobbies, private pilot, cigar or pipe smoking, and Type II diabetes all have specialized carriers so please contact us so we can guide you to the right carrier for your particular situation.

Business Life Insurance

If you own a business and need life insurance for your business we can help you acquire coverage to fund your buy sell agreement or provide key person protection. Please get with us to discuss if a cross sell agreement or stock redemption agreement is in place, how many people are involved and if any of those people might have a health issue that has precluded them from participation as we have the solution. As for Key Person insurance, let us know how that person has an impact on your business from simple day to day function to the revenue they bring in, make sure your business is protected in case that individual is lost from your business.

Life Insurance for Estate Planning

If you have health issues you very likely can still get life insurance coverage. Please give us a call or email us about your health situation. We can then appropriately guide and advise you of your likely health classification range and cost of coverage. We can then match you with the best company to apply for based on your personal health issues. Depending on medications, height/weight, surgeries, procedures, hazardous hobbies, private pilot, cigar or pipe smoking, and Type II diabetes all have specialized carriers so please contact us so we can guide you to the right carrier for your particular situation.