FAMILY COMES FIRST

WELCOME TO FAMILY COMES FIRST
YOUR ALL-IN-ONE INSURANCE AGENCY FOR YOUR HEALTH, WELLNESS & PROTECTION.

We combine trusted insurance with a wellness-first approach to help protect your family from the inside out—strengthening gut health, boosting energy, and enhancing everyday life.

Because we know that family comes first.

Feel the difference. Experience results!

Planning objective financial advice

How We Serve Families

We help families remove financial threats that could disrupt their happiness, hope, and healing.

How We Empower Professionals

Our team is a fit for agents who are interested in growing a business by serving others first.

92%

of older adults have at least one chronic disease; 77% have at least two. Is it any wonder that the average couple retiring at 65 can expect to pay $260,000 to cover their health care costs in retirement?*

Have you been REJECTED for life insurance? Don’t worry — you may still qualify for Guaranteed Final Expense coverage through our plans!

Is it possible for one policy to offer the advantages of saving for college, offering protection in the event of critical, chronic, or terminal illness, contributing to retirement, altogether & much more?

We believe every family deserves a better quality of life each day, with protection from the unexpected and support for their gut health.

Life, Health Insurance, Wellness plans for your family are more affordable than you think!

Term Life Insurance (4)
Term Life Insurance (5)
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Term Life Insurance offers coverage for a specific period, while Permanent Life Insurance provides lifelong protection and may support retirement planning and future financial needs. Both options offer living benefits if diagnosed with a critical, chronic, or terminal illness.

Additionally, in your absence, they can help keep your family in their home by covering the mortgage or rent, along with debt, final expenses, and other financial needs.

Your Definition of True Wealth

Mortgage Protection

Undoubtedly, your home stands as one of the most significant investments you’ll ever make. Beyond its financial value, your home holds a deeper significance—it serves as a sanctuary for your loved ones. To safeguard your family’s future in case of unforeseen events, a term life insurance policy can offer the support they need to remain in the cherished home you’ve provided, even after you’re no longer around.

By exploring the benefits of a term life policy, you can ensure that your mortgage is protected, guaranteeing your family’s stability. However, term policies aren’t just for mortgage protection. Credit Card or other debt, tuition or educational expenses & more!

Your Definition of True Wealth

Final Expense

Final expense plans are designed to help alleviate the financial stress associated with the death of a loved one. Due to the variety of our providers and the flexibility of final protection plans, we can structure a plan to fit your budget and find coverage for you no matter what your current health status may be.

1 in 3 Americans have less than $5,000 saved for retirement, and more than 1 out of 5 have nothing saved at all.

If you’re determined to have a future of financial options rather than limitations, contact me today to learn how you can start planning for the future now.

There is nothing more important than a good, safe, secure home.

College Funding

College education is more expensive than ever, which forces today’s students into a position of crippling debt that can drag out for decades. So how do you provide a university education for your children while avoiding debt? Our college funding strategies can make all the difference. With the right products customized to your needs, your children can have a bright future unencumbered by student loan debt.

Retirement Planning

How life insurance can help supplement retirement income At its core, life insurance serves as a means to safeguard your loved ones when you're no longer present. However, certain types of life insurance can extend their benefits beyond that, offering valuable support during your retirement years while you're still alive. These additional advantages include:
• Living benefits- Critical, Chronic & Terminal
• A way to accumulate a source of funds.
• Tax-deferred growth insulated from market volatility.
• The option to take tax-deferred distributions.

Medicare Insurance

Did you know not all Medicare Supplement plans are the same? It’s true! Here’s why we’re different … Our exclusive Innovative Plan G helps customers save money on premiums for life. We’re also one of the few companies that includes preventive care in our plans — with no maximum on the dollar amount on the preventive benefits you can receive. Plus, with our second-chance guarantee, you don’t have to worry about making the wrong plan choice.

The Importance of Peace of Mind

Life is full of uncertainties, and we recognize that one moment can change everything. If you or a loved one were to pass on, how would your family handle funeral costs, debts and other financial obligations? These moments sometimes come unexpectedly, we may not know what’s in store, but we can always be financially prepared. Life isn’t scripted, you never know when an illness will occur.

 

State of the Life Insurance Industry

In reality, the current state of the life insurance industry proves that many people don’t have enough insurance. While the population recognizes the importance of having a life insurance policy in place, 47% have put off purchasing life insurance they know they need. 59% of consumers who don’t own one say they need it.

92%

of older adults have at least one chronic disease; 77% have at least two. Is it any wonder that the average couple retiring at 65 can expect to pay $260,000 to cover their health care costs in retirement?*

41%

of Americans surveyed have no form of life insurance, though 84% of them say that most people need it.

80%

of working Americans have less than one year’s income saved for retirement, according to a recent report.

As your responsibilities today and expectations for tomorrow continue to develop, making well-informed financial decisions becomes essential.

We extend an invitation to explore all of our insurance plans, providing you with the financial tools you can trust to adapt to the ever-changing circumstances of your life.

Let's take a fresh look together.

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