Life Insurance

If you own a home or have a family you need life insurance. Is term or permanent best for you and your family? A simple conversation can help make that determination. At a minimum, you need at least an inexpensive term policy so your family can continue to stay home and pay the bills.

Building a Legacy That Lasts

Foundation For generational wealth and Stability.

Life insurance can ensure your family's future generations are financially secure. Watch our two short educational webinar recordings to discover the the Difference Between Term and Permanent Life Insurance and our The Three Pillars of Family Security, why they matter, and how the right plan can protect your family’s future while supporting your financial goals.

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Choosing Coverage That Grows With You

Your Needs Evolve And Your Protection Should, Too.

We assess your current stage of life, financial goals, and family priorities to recommend flexible life insurance solutions. Our guidance helps you adapt as your circumstances change, keeping your coverage relevant and effective over time.

Term Insurance

Term life insurance is the most cost effective way to protect your family. It is considered an absolute minimum for temporary coverage. Many modern policies also offer living benefits which adds real value.

Permanent Cash Value

Provides lifelong protection and can build a source of tax free income in retirement. Features compounded growth, no down side risk and can be a source of long-term care protection.

Living Benefits

Living benefits are features in many modern life insurance policies that let you access part of your death benefit while you’re still alive if specific health events occur including critical, chronic and terminal illness.

Long term Care

It's estimated that 70% of us will need some type of long-term care. Healthcare costs are the #1 cause of bankruptcy in retirement. Do not wait until it's too late to solve this problem.

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Don Cooley

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303.596.6464