Insurance && Other Financial Options
Holistic Financial Dignity in Aging
Whether you’re planning for the expected or preparing for the unexpected, this 6-tiered system is designed to meet you where you are in life.
My goal is to help you build a personalized plan that protects your peace{1}, your family{2}, your home{3}, your income{4}, your health{5}, and your legacy{6}—so no matter what life brings, you and your loved ones are prepared.
Each of these tiers can work independently or together.
Tier 1 – Foundation: Final Expense or Preneed Insurance
Ensure family is not burden with burial, cremation, or repatriation cost.
Includes:
- Personalized consultation to explore preneed or final expense options
- Support with application, documentation & policy delivery
- Coordination with funeral homes for service planning
- Beneficiary and claim assistance
Tier 2 – Legacy & Leverage: Life Insurance with Living Benefits
Leave tax free legacy while accessing cash during health crisis
Includes:
- Quote comparison for policies with chronic, critical & terminal illness riders
- Strategy session on wealth-building & legacy gifting
- Beneficiary alignment and policy documentation
Tier 3 – Mortgage Protection: Term Life Insurance
Protect the family home by paying off or reducing mortgage debt if the insured passes away, becomes disabled, or experience critical illness
Includes:
- Needs assessment based on mortgage terms
- Application support with trusted carriers
- Annual policy reviews
- Integration with your estate plan
Tier 4 – Income Security: Fixed or Indexed Annuities
Guaranteed income that cannot be out lived; repositioning assets for tax deferment && legacy.
Includes:
- Annuity Facilitation
- Education on fixed vs indexed annuities
- Lifetime income strategy mapping
- Estate alignment for payout planning
Tier 5 - Health Protection: Long-Term Care / Chronic Illness Coverage
Covers rising care cost without draining personal savings or legacy.
Includes:
- Assessment of long-term care preferences
- Guidance on LTC insurance & hybrid life policies
- Benefit eligibility walkthroughs
- Respite Care integration with The Doula Experience (optional)
Tier 6 – Exit Strategy: Viatical && Life Settlements
If you were diagnosed with a terminal or chronic illness and needed a financial safety net, would having options make a difference to you?
Did you know your existing life insurance can be sold to a third party, for a lump sum; typically more than its surrender value && potenially tax-free?
Includes:
- Private, compassionate intake session
- Licensed viatical settlement broker coordination
- Offer review and document support
- Financial planning integration & follow-up
Book a FREE Insurance Consultation or Review today!
Let’s protect what matters most — on your terms.
Contact Us
How Can We Help You?
Reach out to us today for personalized assistance, compassionate guidance, and answers to your End-of-Life and Green Burial questions. We're here to support you every step of the way.