Crossroads Companies

I started in the insurance industry since the 1990's and have had insurance, mortgage and securities licenses.
I now focus on Insurance for the many ways it can help clients.
I enjoy helping people of all ages to make plans for themselves and their heirs.
I also help with benefit plans to protect lifestyles during periods of illness or accident.
I am happy to visit clients in their home or office to look over current plans and help clients if those plans need upgrade.
I am a Mom and Grandmother and I have a large family and circle of friends, all of whom.

As people age or become ill, they sometimes need help doing daily tasks like getting dressed, bathing and more.
Long-term care (LTC) provides people with those services-but it's expensive.
Long Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.
Rising life expectancy means that the potential need for "long-term care" grows with every passing year of your life.

In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments.
Usually the term "annuity" relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company.
These videos are for educational purposes.
We represent many of the top carriers available.
We will review your unique situation and be able to offer you a variety of carrier products and plans to choose from.

Life insurance may be one of the most important purchases you'll ever make.
In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs.

Disability Income Insurance is a form of insurance that insures the beneficiary's earned income against the risk that a disability will make working, and therefore earning money, impossible.
It includes paid sick leave, short-term disability benefits, and long-term disability benefits.
More than a quarter of today's 20 year olds will become disabled, according to the Social Security Administration (SSA).
It does not have to be a freak injury that prevents you from working - back injuries, cancer, heart disease or other illnesses are the majority of the reasons for long-term absences.