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Who are you? You are motivated to make life better for yourself and others. You take time to learn before making important decisions.
Why are you here? You are considering life or health insurance for:
Because we are independent, you get one-stop access to the same life and health insurance products available elsewhere. This saves you the hassle of shopping around looking for a lower price or better product.
We guide you through three simple steps to help you understand your Insurance Options.
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If you investigate, you will find that you get the same price everywhere. If you see a different price for the same product from the same company, something is different with the configuration.
Insurance is not a commodity. You cannot decide based on quotes alone. Insurance is a non-negotiated contract that differs by insurer and product. Insurance has many details other than price to consider, like differences in guarantees and flexibility.
We tailor insurance options to your specific situation, after understanding your health and budget.
We do not offer the most products from the most insurers.
We give you better value by showing you the better products from the better insurers.
If you apply for insurance, get approved and take delivery of the contract, we get compensation directly from the insurance company. You do not pay extra for our services.
If you cancel your coverage during the first 24-36 months, we get penalized. That’s another reason we want to ensure that you get tailored coverage that you understand, value and keep.
Since we specialize solely in life and health insurance, we work with other specialists such as financial planners. This gives you higher quality results.
If you have a financial plan, we will review it. We can also work with your financial planner or accountant to show you results with and without insurance.
If you do not have a financial plan, that is also fine.
Correct. You are too important to take shortcuts.