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TrustingWealth Management & Insurance

Coverage

Life, health, annuities, and a hard look at what you already own.

I do not sell a stack of logos. I match a contract to a household. If the match is not there, you will hear it.

01

Life insurance

If something happens to you, the people at your kitchen table still have a mortgage, tuition, and ordinary months to pay for. We start with what those months actually cost, then match a product — term for a defined window, permanent coverage when the need does not expire, or a blend.

  • Term life for mortgages, young families, and income replacement
  • Whole life and universal life when cash value or lifelong coverage matters
  • Final expense and burial coverage with straightforward underwriting
  • Riders for children, waiver of premium, and conversion options

02

Health coverage

Health insurance is where most families get lost in plan letters and networks. I will sit with the actual doctors you use, the prescriptions you fill, and the deductible you can stand — then explain what a policy will and will not do before you sign.

  • Individual and family major medical review
  • Supplemental policies for gaps a major-medical plan leaves open
  • Medicare Supplement conversations for those approaching 65
  • Disability income protection when your paycheck is the plan

03

Annuities & retirement income

An annuity is an insurance contract, not a magic return. Some people need a guaranteed floor of income in retirement. Some do not. I will show you how a fixed or indexed annuity behaves, what you give up for the guarantee, and when to walk away.

  • Fixed annuities for principal protection and a stated rate
  • Indexed annuities when you want some market-linked growth with a floor
  • Income riders and payout options, explained in dollars per month
  • A clear read on when an annuity is the wrong tool — and when to walk away

04

Coverage review

Most people are either uninsured in the place it would hurt, or paying for something they no longer need. A review is a no-obligation read of what you have — face amounts, term dates, cash values, and who actually gets the check.

  • Beneficiary and contingent beneficiary check
  • Term conversion windows before they close
  • Employer coverage versus what you own personally
  • A written summary of gaps, not a binder of brochures
Family home at dusk in Jefferson County

A review is often the highest-value hour.

Term dates lapse. Beneficiaries stay listed after a divorce. Work coverage disappears when a job does. Bring the pages you have — even the ones in a drawer — and we will read them like a contract, because that is what they are.

Schedule a review

Questions I hear first