Life Insurance

So your loved ones aren't left struggling if you're gone.

Why it matters

Choosing between term and permanent life can be confusing. With products from Lincoln Financial and AuguStar Financial, we explain in plain language which fits your family, budget and goals.

What we can cover

Term and permanent life
Indexed universal life (IUL)
Options with a long-term care benefit
Family income protection
Planning for debts and final expenses
Beneficiary guidance

All life coverage is subject to evaluation and the policy terms. Let's talk about what you really need.

How to think it through

Term vs. permanent, in plain words

Term life covers you for a set number of years (say 10–30) at the lowest cost — good for your working years, a mortgage, or young children. Permanent life (whole or indexed universal) lasts your lifetime and can build cash value over time, at a higher premium. Many families use a mix.

What we talk through with you

Who depends on your income, and for how long
Debts and obligations you'd want covered
Coverage you already have through work or elsewhere
Your monthly budget

What applying looks like

A short application, sometimes a health questionnaire or exam, then the insurer reviews and approves. We stay with you through it and explain each step.

A conversation about your protection and retirement, at your pace.

Request a consultation