Life Insurance & Retirement Planning Built for Real Life.
For gig workers, creatives, entrepreneurs, and families who've been overlooked by traditional finance.
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Licensed Life Insurance Agent
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Multiple Carrier Options
Free No-Pressure Consultation
Term Life Insurance
Reliable protection for a specific period, ensuring your family's financial stability through life's most critical chapters. Affordable, straightforward, and essential.
Retirement Strategies
Comprehensive planning to grow and protect your long-term savings. From 401k rollovers to IRAs — we build a retirement strategy that works on your terms.
The Right Solution for
Every Stage of Life
Real options. Honest advice. Plans that actually fit your life.
Most Popular
IUL & Wealth Growth
Build cash value tied to market growth — with none of the market risk. One of the most powerful and flexible financial tools available today — ideal for entrepreneurs and the self-employed.
Estate Planning
Wills and living trusts that ensure your legacy goes exactly where you intend. Protect what you leave behind and give your loved ones clarity and peace of mind.
Participating Whole Life
For those who want certainty alongside growth with guaranteed lifetime coverage that builds cash value and pays dividends. A stable and reliable wealth-building tool.
Final Expense Coverage
Dignified solutions to manage end-of-life costs and remove financial burdens from your loved ones. Give your family the gift of peace of mind when it matters most.
Gig Workers & 1099s
Financial safety nets for 1099 professionals who build their own careers and need protection that matches their independence.
Built for People Like You
Specialized financial strategies for the builders, dreamers, and doers of the modern economy.
Creative Pros
Empowering the creative class with wealth-building tools that allow you to focus on your craft while we protect your legacy.
Entrepreneurs
Optimizing business capital through IULs and retirement strategies that protect your company and your personal wealth.
Families
Reliable coverage and stability for the ones you love, ensuring your legacy and peace of mind through life's biggest steps.
Licensed Life
Insurance Agent
Providing expert insurance and retirement planning with full industry accreditation.
Multiple Insurance
Carriers
We compare multiple top-rated carriers to find the perfect coverage fit for your life goals.
Free Consultation —
No Obligation
Start with an honest, zero-pressure conversation designed to clarify your financial future.
Common Questions
Everything you need to know before your free consultation.
Do I need life insurance if I'm young and healthy?
Absolutely — and being young and healthy is actually the best time to get it. Premiums are significantly lower when you're younger, and locking in a rate now protects you regardless of any health changes down the road. Many people wish they had started sooner.
What's the difference between term and whole life insurance?
Term life insurance covers you for a set period — usually 10, 20, or 30 years — and is the most affordable option for most families. Whole life insurance covers you permanently and builds cash value over time. We'll walk you through which makes more sense for your specific situation.
What is an IUL and why is everyone talking about it?
An Indexed Universal Life policy gives you permanent life insurance coverage while building cash value tied to a market index — like the S&P 500 — without the risk of losing money when the market drops. It's one of the most flexible and powerful financial tools available today and particularly well suited for entrepreneurs and self-employed individuals.
What's the difference between an IUL and a Participating Whole Life policy?
Both are permanent life insurance products that build cash value — but they work differently. An IUL builds cash value tied to market index performance with a floor that protects you from losses. A Participating Whole Life policy grows at a guaranteed rate and earns dividends from the insurance carrier regardless of market conditions. IUL offers more flexibility and growth potential. Participating Whole Life offers more predictability and stability. The right choice depends entirely on your goals — which is exactly what our free consultation is designed to help you figure out.
How much coverage do I actually need?
A common starting point is 10–12 times your annual income, but the right amount depends on your debts, dependents, lifestyle, and long-term goals. We offer a free assessment to help you find your number — no obligation, no pressure.
I'm self-employed — can I still get covered?
Yes, and this is actually one of our specialties. Gig workers, freelancers, and 1099 contractors are often underserved by traditional insurance models. We have options specifically designed for people without employer-sponsored benefits.
How do I get started?
Simple — just book a free consultation below. There's no cost, no commitment, and no pushy sales tactics. We listen first, then build a plan around your actual life.
Your future deserves a plan.
Let's build it together - starting with
a free, no-pressure conversation.
As a licensed agent with Global Financial Impact, Eric works with multiple top-rated carriers to find the right coverage at the right price - not just the easiest sale.