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.