Insurance, in plain language

What each kind of insurance is actually for.

You do not need to know which product you need before asking a question. Start with what could happen and who would feel the financial impact.

01

Term life insurance

the right option for most needs

02

Disability insurance

why SHOULDN'T you have this?

03

Permanent life insurance

careful of anyone too eager to recommend this. I work closely with professionals within the company to determine if this is the right fit.

04

Super Visa insurance

Meeting the requirement is not the same as choosing well. Compare the deductible, exclusions, pre-existing-condition coverage and refund terms—not just the price.

The product comes after the question.

How long does the need last? How much money would be missing? What coverage already exists? What can be sustained comfortably? Those answers matter more than starting with a product name.

Start with your situation