Coverage for every stage of life
What you need changes as your life does.
What you need at 32 with keiki at home is different from what you need at 64 with retirement in sight. Here's how I think about it with the families I work with.
Working years
Protect the paycheck
- Health coverageFor business owners, 1099 workers and the self-employed.
- Life insuranceSo the mortgage and the kids are taken care of if you're not here.
- Hospital plansCash to cover the deductible when a hospital stay hits.
Planning ahead · 50s and 60s
Protect what you've saved
- AnnuitiesGuaranteed growth or income for part of your savings.
- Extended careA plan for care at home or in a facility, before you need it.
- Permanent lifeFor legacy, final expenses, or long-term care benefits.
65 and beyond
Protect your retirement
- MedicareChoosing a plan that fits your doctors, prescriptions and budget.
- Hospital plansHelp with Medicare Advantage copays for inpatient stays.
- Retirement incomeTurning savings into a paycheck you can't outlive.
Good times to check in
Life events that call for a review
Coverage that fit five years ago may not fit now. These are the moments I'd suggest we talk.
- Marriage or a new baby
- Add people to your health plan, update beneficiaries, and make sure there's enough life insurance to protect the family.
- Buying a home
- A mortgage is often the biggest reason to add term life coverage.
- Starting a business or going 1099
- You may be leaving employer health and life coverage behind. We replace what you need.
- Your 50s
- The best window to plan for long-term care and to decide how much of your savings should be protected from market drops.
- Turning 65
- Your Medicare enrollment window opens three months before your birthday month.
- Retiring or losing a spouse
- Income, health coverage and beneficiaries all change. I'll help you sort out what to keep.
Not sure which stage you're in?
Most people are between two. Tell me where you are and I'll point you to the right coverage.