Insurance Solutions
You can't build wealth you aren't protecting.
That is not a sales pitch, it is the lesson I learned the hard way when I became a widow at 36 with four kids and no life insurance. The financial decisions you make today determine what your options are when life does not go as planned.
Free Needs Analysis
Life & Health
The foundation of any serious financial plan, for families and for businesses that depend on key people.
Property & Casualty
Home, auto, and business property coverage you actually understand, with the gaps found before you file a claim.
Cybersecurity
P&C for the digital world. Small businesses are targeted more than big ones, be covered before it happens.
Legal Protection
A law firm in your corner for a small monthly fee, through LegalShield.
I am a licensed insurance agent selling products I believe in, to people and businesses I want to see succeed. Here is what I offer and who each product is for.
Life & Health Insurance
Through Experior Financial Group
Life insurance is not about dying. It is about what happens to the people you love when you are gone, or what happens to your business when a key person is suddenly no longer there.
If you are an individual or family, life insurance is the foundation of any serious financial plan. If you have people depending on your income, you need it. Full stop.
If you are a small business owner, life insurance protects your business from the financial impact of losing a partner, key employee, or yourself. It can fund buy-sell agreements, cover business debts, and keep your operation running when the unexpected happens.
Health insurance through Experior covers individuals and small business employees, because healthy people and healthy teams are productive ones.
Ready to find out what coverage makes sense for your situation?
Property & Casualty Insurance
Through First Connect
P&C insurance protects the physical things you have worked to build, your home, your car, your business property, your equipment.
For individuals, that means homeowners, renters, and auto coverage that actually covers what you think it covers. Most people do not read their policy until they need to file a claim. By then it is too late to fix the gaps.
For small businesses, P&C covers your physical location, your inventory, your vehicles, and your liability exposure. One lawsuit or one fire without the right coverage can end a business that took years to build.
Want to know if your current coverage has gaps?
Cybersecurity Insurance
Through First Connect
Cybersecurity insurance is P&C for the digital world, and it is the coverage most small businesses do not think they need until after a breach.
If your business handles customer data, processes payments, or relies on any kind of digital system to operate, you are a target. Small businesses are actually more frequently targeted than large corporations because hackers know small businesses often have weaker defenses.
Cybersecurity insurance covers the cost of a data breach response, legal liability, customer notification, lost income during downtime, and recovery expenses. Without it, a single cyberattack can cost a small business everything.
For individuals, cyber coverage is also increasingly available to protect against identity theft, fraud, and personal data exposure.
Not sure if your business is exposed?
Legal Protection Plans
Through LegalShield
Most people can’t afford a lawyer when they need one. LegalShield changes that.
For a small monthly fee, LegalShield gives you access to a law firm in your state, for consultations, document review, letters written on your behalf, and representation if it comes to that. It is legal access that used to be reserved for people who could afford a retainer.
For individuals and families, that means having someone in your corner for landlord disputes, contract reviews, traffic tickets, will preparation, identity theft issues, and more.
For small businesses, LegalShield covers contract review, collection assistance, debt collection letters, and the kind of routine legal work that adds up fast when you are paying by the hour.
If your legal situation falls outside the scope of your monthly plan, say it requires a retainer or extended hourly work, you are not on your own. Members receive a preferred discount of up to 25% on the provider firm’s hourly rates and retainers, depending on your plan, so even when you need more, you are paying significantly less than you would walking in off the street.
I have been a LegalShield member myself since 2001. I sell it because I use it and I believe in it.
Want to learn more about what a plan covers?
Not Sure What You Need?
Take the free five-minute needs analysis, your gaps mapped to the exact coverage that closes them. Private, no forms, no obligation. Or skip straight to the conversation:
That is exactly what I am here for. Tell me a little about your situation, whether you are an individual, a family, or a business owner, and I will help you figure out where your biggest gaps are and what makes sense to address first.
There is no pressure and no obligation. Just a straight conversation about where you stand and what your options are.
Call or text: 435-632-6399
Not sure what you need?
No pressure, no obligation, just a straight conversation about where you stand and what your options are.