Insurance Built Around Your Actual Life
Term life, disability, long-term care, and annuities,
chosen for the specific risks you want covered,
using carriers that answer to policyholders, not shareholders.
Licensed in Massachusetts, New York, and Rhode Island.
Growing Families
A new baby or a first home can quickly change what your family needs to stay financially secure. I help you create income replacement to cover major expenses in the event of a loss, including childcare, education, and mortgage payments.
Life's Turning Points
Getting married or a change in employment can shift what coverage is appropriate to protect your finances. I help you determine what strategy makes sense as life changes, and whether your existing coverage still meets your needs.
Long-Term Planning
How do you protect against outliving your money? I help you evaluate options to manage the potentially devastating financial impact of long term care, and how to use a range of available products to secure against other lifelong financial unknowns.
Have questions about who we help?
What stages of life do you typically work with?
Do you work with people who already have complicated, existing coverage, not just people starting fresh?
Will insurance recognize my unconventional family structure?
What if I don’t know what kind of coverage I need?
What We Cover
Term Life Insurance
Affordable, temporary coverage that pays a set benefit if you die during the policy term, typically 10 to 30 years, most often used to replace income and pay off debts like a mortgage.
Disability Insurance
Replaces a portion of your income if you become unable to work due to illness or injury, protecting the paycheck your family already depends on.
Long-Term Care Insurance
Covers the cost of extended care, through a standalone policy or a hybrid policy that also pays a death benefit.
Annuities
A contract with an insurance company that converts savings into guaranteed income, protecting against the risk of outliving your money in retirement.
See something that fits? Let’s talk through it.
Coverage From Companies That Answer to You
Companies where the incentives point toward policyholders, not for-profit owners.
Sometimes This Grows Into Something Bigger
Personal Financial Guidance
Some clients want more than a policy, a real look at their full financial picture, projected forward over time, that can inform not just what coverage makes sense today, but how those needs might change down the road. That’s a separate, fee-based service from insurance placement itself. If it’s something you’re curious about, mention it when you reach out.
Retirement Collaboration with Parents
Many of the people I work with on insurance are also starting to think through a parent’s retirement, or their own. If that’s true for you too, that’s a conversation I can help with as well, whenever it’s relevant.
Let’s Figure Out What Makes Sense
Share a bit about your situation and I’ll follow up to talk through what makes sense.
Frequently Asked Questions
Does it cost anything to talk to you or get a quote?
What if I have a health condition that might complicate things?
What if I already have some coverage through my employer?
Why do you focus on mutual and not-for-profit insurance companies?