Insurance is essential to any comprehensive financial security plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to plan for goals like buying a house or retiring comfortably.

We have access to a variety of insurance products that can help address your financial security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.


Life Insurance


In the event of death, life insurance offers surviving family members the potential for increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

The advantages of life insurance include:

  • An instant estate for your loved ones at a time when funds are most needed
  • Death benefits that are usually non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

We can help you select coverage from a variety of life insurance options to address the needs identified in your financial security plan.

The cost and availability of Life Insurance depend on many factors such as age, health, and amount of insurance purchased.  In addition to premiums, there are contract limitations, fees, exclusions, reductions of benefits, and charges associated with policy.  And if a policy is surrendered prematurely, there may be surrender charges and income tax implications.  Any guarantees are contingent upon the claims-paying ability of the issuing company.

CA Insurance License #0518721