Frequently asked questions

Term life covers you for a set period — often 10, 20, or 30 years — and usually has a lower initial cost. Permanent life insurance (such as whole or universal life) is designed to last your lifetime and can build cash value over time. Which one fits depends on your goals, budget, and time horizon, and that’s exactly what a review helps you sort through.

It varies a lot from person to person. People commonly think about replacing income, paying off debts like a mortgage, covering final expenses, and funding future goals such as a child’s education. Rather than a one-size number, a needs analysis looks at your specific situation.

Yes. Reviewing existing policies as your family and finances change is a normal part of the process — it helps confirm your coverage still lines up with your goals.

It’s a structured, educational look at your current coverage, your goals, and your overall financial picture to help identify gaps and opportunities. It’s informational — not a sales pitch — and there’s no obligation.

No. Consultations are no-obligation. The goal is to give you clear information so you can make confident decisions on your own timeline.

Whatever helps paint an accurate picture — recent statements, any existing policies, and a sense of your goals. If you’re not sure, come as you are; we can start with a conversation.

A common starting point is understanding where your future income will come from and how the pieces fit together, so you have a strategy for income you won’t outlive. A review educates you on the relevant concepts before any decision.

An annuity is a financial product some people use to create income or to grow money on a tax-deferred basis. Common types include immediate/income annuities and deferred annuities. Whether one fits your situation is an individual question. Securities and investment products are offered through Farmers Financial Solutions, LLC — Member FINRA & SIPC.

Plano and the Greater DFW area, along with clients across Texas. In-person and virtual meetings are both available.

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