My Insurance Advisor

You have questions about life insurance. We have answers.














Insurance For A Worry-Free Tomorrow

Let My Insurance Advisor Help You Protect Your Future

Financial security is not simply about saving your money for future use or having a stable source of income. Make the most out of your finances by securing your future with us. We offer a wide range of life insurance policies to protect your family and everything you’ve worked hard for. Getting a life insurance policy is a choice that only you can make.


We serve clients in the states of North Carolina, Virginia, and Texas. Let us help you today.

Insurance Basics

We will help you clear up these three misconceptions about life insurance:

FALSE: Insurance Becomes More Affordable As Years Go By

TRUE:

Life insurance will never be more affordable than it is today. With each year we age, it becomes more and more expensive. How many people you know have died and left their families in financial insecurity? There is no "I'll take care of it later" because none of us is guaranteed tomorrow. The decision to secure a better future for your family is yours to make.

FALSE: GoFundMe and Facebook’s “Thoughts and Prayers” Are Good Enough

TRUE:

These are not acceptable substitutes for life insurance. These are not nearly enough to cover the costs your family will be burdened with. With life insurance, the family left behind won’t have to worry about meeting their immediate expenses.

FALSE: Insurance Won’t Help My Family

TRUE:

Life insurance assures you that your family’s needs are provided for not only when you're alive but also after you're gone.

I Know I Need Life Insurance. What Should I Do Next?

If you’re just starting out, finding the right life insurance coverage for yourself can be overwhelming. With expert insurance agents by your side, the overall process will be easier. We will talk with you to understand your priorities and needs, so we can help you make 

the best decision for you and your family.

The Different Types of Life Insurance

Whole Life

Also known as “straight life” or “ordinary life,” this policy is usually purchased in smaller amounts to guarantee lifetime coverage. Always with a flat rate, it builds cash value over time.

Term Life

This offers temporary coverage within a specific period. You can use this for covering large exposures like mortgages. However, this has no cash value and cannot be borrowed against. If you get Term Life from us, this can be converted into Whole Life in a smaller amount later in the "term."

Universal Life

Although this is less expensive than Whole Life, Universal Life still has the same flat rate. It is also more flexible since premiums can be stopped for a short period. This builds value over time and can be borrowed against.

Indexed Universal Life (IUL)

This earns money based on your investment, making this a better value builder than Universal Life. IUL is typically less expensive than Whole Life but can yield greater value depending on several factors.

Variable Universal Life (VUL)

Since this is an investment instrument, it’s possible for the value to fall depending on circumstances. This uncertainty goes against the financial security we want to offer our policyholders, so we don’t offer VUL here.

No-Obligation Consultation

It has never been easier to get an insurance policy that’s vital to you and your family’s future. We take care of every step of the process over the phone and online. Fill out the form below for a no-obligation phone appointment.

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