Insurance & Financial Solutions
We educate and equip families with the exact coverage they need for every stage of life.
Life Insurance Policies (Term & Permanent)
Financial security for your family's future, replacing income and eliminating debt if you pass away unexpectedly.
Key Features & Benefits:
- Term Life: Cost-effective protection for 10, 20, or 30 years.
- Whole & Universal Life: Permanent coverage with cash value accumulation.
- Living Benefits: Access tax-free funds if diagnosed with a qualifying chronic or terminal illness.
- Custom benefit amounts tailored to replace breadwinner income.
Disability Income Insurance
Protects your ability to earn a living if sickness or injury prevents you from working.
Key Features & Benefits:
- Short-term and long-term disability benefit options.
- Provides monthly paycheck replacements directly to your household.
- Covers living expenses, utilities, groceries, and medical bills during recovery.
- Protects against both accidental injury and major illness.
Mortgage Life Insurance
Guarantees your home stays with your family, covering mortgage payments or paying off the balance.
Key Features & Benefits:
- Protects homeownership against tragedy, disability, or death.
- Matching term lengths to match your 15-year or 30-year mortgage.
- Flexible death benefit can pay off the mortgage entirely or cover monthly notes.
- Peace of mind knowing your spouse and children won't face foreclosure.
Long-Term Care Insurance
Covers personal and medical care costs without depleting life savings or retirement funds.
Key Features & Benefits:
- Covers in-home health aides, adult day care, and nursing home care.
- Prevents adult children from shouldering overwhelming caregiving costs.
- Protects nest eggs and accumulated family assets.
- Flexible benefit riders adapted to your health history.
Final Expense & Burial Insurance
Guaranteed affordable whole life coverage designed specifically to pay funeral, burial, and final bills.
Key Features & Benefits:
- Simplifies final arrangements without financial stress on grieving loved ones.
- Coverage available with simplified issue (no medical exams required).
- Fixed monthly premiums that will never increase over time.
- Immediate payout to named beneficiaries upon passing.
Retirement & Fixed Annuities
Grow tax-deferred retirement savings with guaranteed lifetime income streams you cannot outlive.
Key Features & Benefits:
- Guaranteed principal protection against stock market volatility.
- Tax-deferred growth allows interest to compound faster.
- Flexible payout options: lifetime income, joint survivor, or fixed term.
- Leaves remaining contract value directly to your named heirs.
Unsure which policy fits your current situation?
Marcia will personally review your existing policies or help you design a brand-new plan tailored to your budget.