Overview
Insurance isn’t one‑size‑fits‑all. From life insurance for young families to mortgage protection for homeowners and long‑term care coverage for aging parents, we help you evaluate your needs and find affordable solutions. Because we’re paid by our partner carriers, consultations and quotes are always free to you.
Types of Coverage
Life Insurance
A life insurance policy provides financial support to your loved ones if you pass away. Term life insurance offers coverage for a set number of years at a lower cost – ideal for H‑1B holders and young families. Permanent life insurance (whole or universal) remains in force for your lifetime and can build cash value, providing flexibility for future goals.
Mortgage Protection
Your home is often your biggest asset. Mortgage protection insurance ensures your mortgage will be paid off if you die or become critically ill, preventing your family from losing their home during a difficult time.
Long‑Term Care & Disability
Nearly half of people turning 65 will require some form of long‑term care. Long‑term care insurance helps cover the cost of in‑home services or assisted living so that you don’t deplete retirement savings. Disability insurance replaces a portion of your income if an illness or injury prevents you from working.
Health Insurance
If you’re not covered through an employer, we can help you explore individual health plans and supplemental coverage. We explain deductibles, copayments, out‑of‑pocket maximums and how different plans coordinate with Medicare.
Term vs Whole Life
| Term Life | Whole Life | |
|---|---|---|
| Cost | Lower premiums for a set term | Higher premiums but level for life |
| Duration | 10–30 years | Lifetime coverage |
| Cash Value | None | Builds cash value you can borrow against |
| Flexibility | Simple and affordable | Acts as investment and insurance combined |
Considerations for H‑1B & Indian Families in Ohio
As an Indian family living in Ohio, your insurance needs may differ from those of native-born Americans. The cost of living in cities like Columbus and Cleveland can impact how much life insurance you need, and sending money to relatives in India may require additional protection. H‑1B holders should plan for gaps in coverage when changing employers or during periods of visa renewal. We’ll help you coordinate U.S. and Indian policies so you’re covered on both continents.
Culturally Sensitive Guidance
Many of our clients grew up in households where extended family provided support during illness or old age. While those traditions are priceless, the high cost of healthcare in the U.S. makes it essential to supplement family support with insurance. We respect your cultural values and design plans that honour your priorities— whether that’s ensuring parents back home receive remittances or protecting your children’s inheritance from unexpected medical bills. Our advisors speak multiple languages and understand the immigrant experience first‑hand.
Frequently Asked Questions
How much life insurance do I need?
A common rule of thumb is to carry coverage equal to 7–10 times your annual income. However, the right amount depends on outstanding debts, family size, future expenses and other resources. We’ll help you calculate a personalised number.
What’s the difference between term and whole life?
Term life covers you for a defined period at a lower cost, while whole life provides lifelong coverage and can build cash value. The choice depends on your budget and long‑term goals.
Do I need long‑term care insurance?
If you’re concerned about the cost of extended care in later life and want to protect your retirement savings for loved ones, long‑term care insurance can be a smart addition to your plan.
What does disability insurance cover?
Disability insurance replaces a portion of your income if you’re unable to work due to illness or injury. Policies differ by definition of disability, elimination period and benefit duration. We’ll help you compare options.
Get Covered
Protecting your family is one of the smartest financial moves you can make. Let’s review your existing policies or design new coverage that fits your life today and tomorrow. There’s no obligation or cost to chat.