Life Keeps Changing.

Is Your Life Insurance

Keeping Up?

Personalized Solutions For You.


Policy Types Vary

Policy features, benefits, rider's and underlying policy assumptions and guarantees vary widely from one insurance company to another. This can make it difficult to make an apple to apples comparison. You should also consider the insurance company ratings, and their claims paying ability.

Save Time And Let Us Help You Make Sense Of It All.

Term Life

Feature a much higher death benefit on a comparative premium basis than other types of polices. Premiums are low, and may be best for those who need to maximize coverage over a specified number of years. Some policies provide premium guarantees for as long as 30 years.

Universal Life

These types of policies have built in cash value. However it is important that you understand the key underlying policy features and the difference between polices that are guaranteed, interest sensitive or variable.

Indexed Life

Policy features include cash value that is often tied to a market index. It can provide coverage over a long period of time, and protect cash value during periods of market volatility. It is important to understand how your policy will live up to it's promises if it were to ever run out of cash value.

Whole Life

Cash value policy. Premiums are typically higher than other types of policies when comparing one against the other. This type of policy may be beneficial under certain circumstances where there is a desire to grow cash value, and also maintain lifetime coverage for estate planning purposes.

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Find Your Ideal Plan

We understand that all individual and family needs are different, and that's why we offer consultative services to help you pick the best life insurance coverage for your needs.

3 Easy Steps To Follow

Partial List Of Companies We Partner With

As an independent agent, we have the freedom to collaborate with some of the finest insurance companies in the nation.

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What sets your service apart from others?

Through personalized service, our clients can expect customized life insurance plans that cater to their specific requirements, ensuring that they have appropriate coverage while avoiding unnecessary expenses. You get to speak to a real human being instead of a robot which allows for better communication and understanding. This enables us to promptly address any concerns or queries, resulting in greater satisfaction. Ultimately, we hope to empower our client's with greater control, peace of mind, and a sense of being genuinely cared for.

Is there a cost for your services?

There is no cost to you for the time we spend in performing research and analysis, or for insurance policy design, policy reviews or proposal development. You have this guarantee irrespective of whether you purchase additional coverage or not. We emphasize this because your situation may not be best served by purchasing a new policy - and all that should be done is to have your existing policy amended. We are transparent in our approach and are focused on acting only in your best interest.

How do you get paid?

When it comes to insurance products, we are compensated directly by the insurance company you select to be your insurance carrier. You will never receive a bill from us.

Can you tell us about your experience?

Insurance consulting services are provided by John Koshy who is licensed as an insurance agent, and has been providing insurance consulting services since 1989.

How are services provided?

All services are provided on a virtual basis. This may include telephone, email or an online meeting.

Can you provide assistance with other types of insurance?

Yes, in addition to life insurance, we provide policy review, proposal and consultative services related to disability income and long term care.

Can you tell us more about your firm.

Please visit our our website to learn more about us.

Book a FREE consultation today!