Life & Health Center
Clear, unhurried guidance on protecting the people who depend on you — with a licensed Texas advisor who explains the tradeoffs before anything is signed.
Request a Life & Health ReviewIndividual protection plans
Life insurance is a math problem wrapped in a personal decision. We start with the number your family would actually need, then find the simplest structure that gets there.
Term Life
Level 10–30 year terms sized to your mortgage, income replacement years and childcare window. Convertible options available.
Whole & Permanent Life
Guaranteed lifetime coverage with cash value growth for legacy planning, final expenses and tax-advantaged accumulation.
Key Person Protection
Coverage on owners and critical employees, plus buy-sell funding so the business survives an unexpected loss.
Family planning blocks
Coverage should change as life does. These are the three checkpoints we review with every household.
New Family Stage
First policy, guardianship coordination and child riders while budgets are tight.
Growing Family Stage
Layered term ladders that cover college years and step down as savings grow.
Legacy Stage
Final expense, estate equalization and beneficiary reviews with no medical exam options.
Health & supplemental benefits
Whether you’re self-employed, between jobs or building a benefits package for your team, we compare networks and out-of-pocket exposure — not just premiums.
Individual & Family Health
Marketplace and private plans with subsidy eligibility review, network checks and prescription matching.
Group Health
Small-group medical for 2–50 employees, level-funded options and contribution modeling for owners.
Ancillary & Supplemental
Dental, vision, accident, critical illness, hospital indemnity and short-term disability to fill deductible gaps.
No pressure, no jargon — a review call, a written comparison, and time to think.
Life and health decisions are personal. Your information stays with your advisor and the carriers you approve for quoting.
What we’ll cover
- Household income and dependents
- Existing employer or group coverage
- Preferred doctors and prescriptions
- Budget range and timing
- Business ownership or key employees