Get the health and life insurance you need to
protect yourself and the ones you love.

Life insurance is a contract where the insurer (life insurance company) pays an assigned beneficiary (ex. spouse, child, other family member) a sum of money upon the death of the insured individual. It's important because it provides financial protection to your family or dependents after your death.

Health insurance is insurance coverage that pays for both medical expenses incurred by the insured party. Health insurance can cover a range of things from doctor visits, hospital stays to medical tests and treatments.

The main types are term life insurance, which provides coverage for a specific term period, while whole life insurance offers coverage for your entire lifetime and typically includes a cash value component.

HMO (Health Maintenance Organization) plans typically limit coverage for care from providers who specifically work for or are under contract with the HMO. A PPO (Preferred Provider Organization) plans allow for more flexibility by allowing you to visit whichever in-network healthcare provider you decide is a good fit for yourself and most importantly your family. An EPO (Exclusive Provider Organization) plans are like PPOs but without coverage for out-of-network care. POS (Point of Service) plans combine features of HMOs and PPOs.

This depends on your financial obligations, your current salary/income, the number of dependents you are currently financially responsible for, and any long-term financial goals. A common rule to strive for is to have coverage that equates to 10-15 times your annual income.

​When choosing a health plan, consider factors such as the type of coverage provided, the network of doctors and hospitals, premiums, out-of-pocket costs (like deductibles and copayments), and whether it covers the services you regularly need.