Coverage

The right policy is a personal fit.

Here's a plain-English tour of the coverage types I help Oregon families with. Not sure where you fit? Take the quiz.

Most coverage, lowest cost

Protection for a set period (10–30 years). The most cost-effective way to cover a mortgage, income, or years while kids grow up.

Lifelong guaranteed protection

Coverage that never expires, with cash value that grows on a guaranteed schedule. A cornerstone of legacy and estate planning.

Growth potential + protection

Permanent coverage with cash value tied to a market index — capturing upside with a 0% floor protecting against market losses.

Keep your family home

A term policy sized to your mortgage so your family can stay in the home you built together, no matter what.

Simple end-of-life coverage

Small whole-life policies ($10K–$40K) that cover funeral costs and small debts. Easy underwriting, no medical exam in most cases.

Retirement income you can count on

Turn savings into a predictable retirement income stream. Fixed, indexed, or immediate — matched to your income goals.