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Family Protection

PROTECT WHAT MATTERS MOST TODAY

Life insurance isn’t just a policy—it’s a promise to the people who depend on you. Whether you’re a young parent building your family’s foundation or an established professional protecting decades of progress, the right coverage ensures your loved ones remain financially secure if the unexpected happens. Term life, whole life, and mortgage protection each serve unique purposes. The key is finding the solution that fits your life today and your goals for tomorrow.

As an independent broker, Mark works with top-rated carriers to deliver unbiased options tailored to your specific needs. No pressure, no one-size-fits-all products—just honest guidance to help you make confident decisions. From affordable term coverage for growing families to permanent policies that build cash value over time, we’ll explore what makes sense for your situation and design protection that gives you real peace of mind.

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FINDING THE RIGHT FIT

COVERAGE DESIGNED FOR YOUR LIFE

Term life insurance provides affordable, straightforward protection for a specific period—ideal for covering mortgages, raising children, or bridging income gaps. It’s pure protection when you need it most, without unnecessary complexity or cost.

Whole life insurance offers lifelong coverage with guaranteed cash value growth. It’s designed for those seeking permanent protection, legacy planning, and a financial tool that builds equity while safeguarding your family.

COMMON QUESTIONS

FREQUENTLY ASKED QUESTIONS

Coverage depends on your income, debts, family size, and financial goals. A common guideline is 10-12 times your annual income, but we’ll help you calculate what truly protects your family’s specific needs and future.

Term life covers you for a set period (usually 10-30 years) at lower premiums. Whole life provides permanent coverage with cash value accumulation, making it both protection and a financial asset for life.

Yes. Many carriers offer policies for individuals with pre-existing conditions, though rates and coverage may vary. As an independent broker, Mark can shop multiple carriers to find your best available options.

The best time is now—rates increase with age and health changes. Locking in coverage while you’re younger and healthier typically means lower premiums and easier approval. Don’t wait until it’s harder or more expensive.

Mortgage protection is term life insurance specifically designed to pay off your home loan if you pass away. It ensures your family keeps the house without the burden of monthly mortgage payments during difficult times.

After our initial consultation, we’ll help you complete a simple application and, depending on coverage amount, you may need a medical exam. Most policies are approved within 2-4 weeks, sometimes faster for simplified underwriting.

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