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Protect your FAMILY from financial hardship and insure your greatest asset - YOU!

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Why Use Our Services

Fast and Easy Quote

No Medical Exam

Protect your Family Financially

Peace of Mind on your Worst Day

3 Reasons Why Insurance Protection Matters

1. A Financial Safety Net for your Family - your family depends on your financial support to maintain their standard of living. Protect the people who matter most from financial hardship if the unexpected happens.

 

2.  Leave a Legacy, Not a Liability - A lump sum benefit can protect your assets you have built including your home, income replacement, children's education, and provide peace of mind during stressful times. 

 

3.  Insure your Greatest Asset - YOU! - You insure your car, your phone and your home.  But nothing is more important than your life and your ability to protect your families way of living if an unfortunate event occurs. While no one can predict the future, you can help protect it. 

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Why Do I Need Life Insurance?

Life Insurance

68%

of Americans say they need life insurance but don't have it because they are unaware of the different options.

Final Expense

$8,500

is the average funeral cost.  For most families, the loss of a loved one brings both emotional and financial stress.

Mortgage Protection

70%

of U.S. households with children would struggle meeting everyday living expenses if the primary earner were to pass away today.

Retirement Planning

60%+

of Americans fear they will not be able to retire or that they will run out of money during their retirement.

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Our Services

Empower Your Legacy

Living Benefits Life Insurance

If you’re diagnosed with a critical, chronic or terminal illness, living benefits can help you avoid the financial burden by providing a lump sum to help cover the associated costs. Our clients have found this valuable for filling in the financial gaps left by most medical insurance as a safety net. Qualifying for Living Benefits coverage is dependent on factors that include current health, medical history, age, and occupation.

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Mortgage Protection

Mortgage protection is a simplified, quick issue insurance that is used to protect your greatest asset—your home. It’s designed to provide a death benefit to pay off all, or a portion of your mortgage. Optional riders are available in most states, such as disability income. This protection can be customized to fit your needs and budget.

Final Expense

Final expense plans are designed to help alleviate the financial stress associated with the death of a loved one. Due to the variety of our providers and the flexibility of final protection plans, we can structure a plan to fit your budget and find coverage for you no matter what your current health status may be.

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Retirement Planning

Annuities can be used to create a retirement income that lasts as long as you do. These funds accumulate on a tax-deferred basis, which can be a tremendous advantage over time. Fixed Index Annuities provide an opportunity for growth without the risk involved with most investments. This is especially attractive to pre-retirees looking to preserve assets they’ve built over several decades. We have the expertise to help you find the best and most suitable annuity products to fit your needs.

About Me

"People Don't Care About How Much You Know Until... They Know How Much You Care"

My name is Michelle Odle O'Neill, and my job is to help educate families about our solutions and to help them get approved so we can protect what matters to you most - your family, home and loved ones.

As a wife and mom myself, I will treat you the way I treat my own family with love, care and the golden rule.

 

Mortgage protection and life insurance is a time and financial investment to protect the legacy you have built for your family.  Let me help you protect your family legacy and not leave a financial liability.    

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Name Brand Carriers I Represent

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Your Local Caring Insurance Lady