This web page is a useful tool for my clients to learn more about me.

 

I have several insurance companies that I use to write insurance policies. These companies help about 98% of those seeking life insurance.

 

Clients vary in their needs and what type of insurance works best for them.

 

My goal is to help each one of my clients to maximize their coverage and to reach financial independence.

 

Term insurance is pure insurance. Lowest cost, most bang for your buck.

 

You may have seen or heard this statement before:

             

       Buy Term and Invest the Difference

In a nutshell it means buy term life insurance best suited for your needs. Invest the difference means to create financial nest egg for the future.

 

Why do we save?

The rule of 72 is best example why we save. Divide the interest rate by 72 to determine how long it will take to double your money in a savings plan. Let’s say your interest rate is 6% and your have made a deposit of $100,000. in a savings instrument. So you divide 6 into 72, that equals 12. It will take 12 years for your money to double itself to $200,000. Why do we save? We are not going to work for the rest of our lives, so isn’t nice to put a little bit away for the golden years.