Life insurance advice that actually stays with you.

It depends on a few simple things — your income, your debts (especially the mortgage), how many people rely on you, and what you'd want to leave them with. The quick rule of thumb is 10 to 12 times your annual income, but that's a starting point, not an answer. On a free call we'll walk through your specific numbers and land on a figure that fits — not one that just sounds about right. Book the call here.

For most people, term insurance is the right answer — it's straightforward, much cheaper, and covers the years your family actually needs the protection (paying off the house, getting the kids through college). Whole life makes sense in specific situations: estate planning, lifelong dependents, or certain tax strategies. I'll tell you which camp you fall into honestly — and I won't push the more expensive product just because the commission is bigger.

That's exactly what the quarterly check-ins are for. New job, new baby, new house, divorce, an aging parent moving in — every one of those changes the math. We adjust the coverage to match. You don't need to remember to call me; I'll call you.

Honest answer: I'm paid a commission by the carrier when you buy a policy — same as every other broker. You don't pay me anything directly. What's different is that because I work with multiple carriers, my commission isn't tied to one specific product, so I have no reason to push the wrong policy on you. The math works because the right policy is also the one you'll keep — and keeping clients matters more to me than maximizing one sale. Any other questions? Let's talk.