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Comprehensive Life & Health Insurance Solutions Across 12 States
Expert protection with a special focus on Arizona families and businesses
Welcome to Your Trusted Insurance Partner in Arizona and Beyond
12-State Coverage
Licensed in Arizona, Colorado, Florida, Kansas, Ohio, Maryland, Michigan, New Mexico, South Carolina, Tennessee, Texas, and Utah
Tailored Protection
Specialized life and health insurance products designed to protect your family's future and financial security for generations to come
Personalized Service
Discover how our comprehensive offerings can meet your unique needs in each state with dedicated, local expertise
Why Arizona is Our Main Focus
Protecting Families in the Grand Canyon State
Arizona's dynamic growth and diverse population create unique insurance opportunities. With families moving to Phoenix, Tucson, and surrounding communities, the need for comprehensive financial protection has never been greater.
Our deep understanding of Arizona's insurance regulations, combined with our commitment to the local community, ensures you receive compliant, competitive coverage that truly meets your needs.
Key Arizona Advantages:
  • Fastest-growing state population requiring expanded coverage
  • Rising awareness of financial planning among residents
  • Diverse demographics from young families to retirees
  • Strong focus on legacy protection and wealth building
Indexed Universal Life Insurance (IULs)
Flexible Protection with Growth Potential
Dual Benefits
Combines permanent life insurance protection with cash value growth linked to market indexes like the S&P 500, giving you the best of both worlds
Downside Protection
Enjoy market-linked growth potential with guaranteed floor protection, ensuring your principal stays safe even when markets decline
Wealth Accumulation
Ideal for Arizona residents seeking long-term wealth building, tax-advantaged growth, and comprehensive legacy planning for future generations
Real Success Story
Arizona family secured their children's future college funds while simultaneously protecting loved ones with a death benefit—smart planning in action
Fixed Indexed Annuities
Secure Retirement Income with Market Upside
Principal Protection Guaranteed
Your investment principal is fully protected while earning interest linked to market index performance. This means you never lose money when markets decline, but you still benefit when they rise.
Steady Income Streams
Provides reliable income for retirees across Arizona and all our licensed states, helping you maintain your lifestyle throughout retirement years.
"Fixed indexed annuities help combat longevity risk and inflation concerns while providing peace of mind for your golden years."
87%
Client Satisfaction
Retirees report confidence in their financial future
30%
Income Supplement
Average boost to Social Security benefits
100%
Principal Safety
Guaranteed protection of your investment
Term Life Insurance
Affordable, Straightforward Coverage for Peace of Mind
Flexible Terms
Coverage for specified terms—10, 20, or 30 years—ideal for families with temporary financial obligations like mortgages and education costs
Competitive Rates
Budget-friendly premiums tailored to each state's underwriting standards, making protection accessible for young families in Florida and Ohio
Fast Approval
Quick application process with streamlined approvals means your family gets protected fast—often within days of applying
Term life insurance provides maximum coverage at minimum cost, perfect for families building their financial foundation. It's straightforward protection without complicated investment components, giving you pure peace of mind when you need it most.
Final Expense Insurance
Simplify End-of-Life Planning
Comprehensive Coverage
Covers funeral, burial, memorial services, and other final expenses with a guaranteed lump sum benefit, ensuring your family doesn't face financial hardship during difficult times.
Easy Qualification
Simplified underwriting makes approval accessible for seniors, with no medical exams required in most cases. Popular among Maryland and Michigan residents seeking straightforward protection.
Family Protection
Helps ease the financial burden on surviving family members, allowing them to focus on grieving and celebrating your life rather than worrying about expenses.

Real Client Story
A South Carolina client secured $15,000 in final expense coverage, giving their children peace of mind knowing all arrangements would be handled without financial stress.
State-by-State Licensing
What It Means for You
01
Full Compliance
Licensed in 12 states, ensuring strict compliance with local insurance laws, regulations, and consumer protections specific to your location
02
Local Expertise
Each state's unique market dynamics, demographics, and economic factors influence product availability, pricing, and coverage options
03
Personalized Service
Receive dedicated support from agents intimately familiar with your state's regulations, insurance landscape, and community needs
Our multi-state licensing isn't just about legal compliance—it's about providing you with expert, localized service that understands the nuances of insurance in your specific state. From application to claims, we're here with knowledge that matters.
Arizona Insurance Market Insights
$33B
Annual Life Insurance
Purchased by Arizona residents in 2024
42%
Market Growth
Demand for indexed products over 3 years
1.2M
New Policies
Term and final expense coverage written
Growing Demand Trends
  • Indexed universal life and annuity products gaining popularity
  • Increasing consumer interest in final expense solutions
  • Strong term life adoption among young families
  • Rising awareness of retirement income planning
Our Arizona Commitment
We're dedicated to educating and empowering Arizona residents with transparent options, honest advice, and comprehensive insurance solutions that truly protect what matters most—your family and financial future.
Colorado and Florida
Expanding Our Reach with Tailored Solutions
Colorado Market Focus
Emphasis on retirement planning with fixed indexed annuities as the state's retiree population continues to grow. Colorado's active lifestyle and health-conscious residents seek long-term security.
Florida Market Focus
High demand for term life and final expense policies among Florida's diverse communities, from young families to retirees. Our agents understand the unique needs of the Sunshine State.
Both states receive localized agent support ensuring smooth policy management, responsive claims assistance, and ongoing consultation as your life circumstances evolve. We're not just licensed—we're invested in your success.
Kansas, Ohio, Maryland, and Michigan
Diverse Needs, One Trusted Partner
Kansas & Ohio Markets
Strong emphasis on affordable term life insurance for growing families building their financial foundation. These heartland states value straightforward protection and competitive pricing for mortgage protection and income replacement.
Maryland & Michigan Markets
Increasing interest in indexed universal life products for wealth accumulation and legacy planning. Urban and suburban professionals seek sophisticated solutions that combine protection with tax-advantaged growth potential.
Personalized Service
Dedicated agents provide one-on-one consultations
Ongoing Support
Regular policy reviews ensure coverage stays current
Local Knowledge
Deep understanding of regional insurance needs
New Mexico, South Carolina, Tennessee, Texas, and Utah
Customized Coverage for Every Stage of Life
New Mexico & Utah
Growing markets with increasing demand for indexed annuities and final expense insurance as populations age and financial literacy rises
South Carolina & Tennessee
Balancing term life affordability with long-term protection needs for families at every income level and life stage
Texas
Large, diverse market with strong demand across all product lines—from term life to IULs to annuities—serving millions
Our agents understand local nuances, cultural considerations, and economic factors to deliver best-fit solutions that truly resonate with your unique situation and goals.
How to Get Started
Simple Steps to Secure Your Coverage
Free Consultation
Comprehensive assessment of your insurance needs, financial goals, and family protection priorities
Customized Quotes
Tailored proposals specific to your state, personal profile, and budget requirements
Easy Application
Streamlined process with expert guidance at every step—often completed in under 30 minutes
Ongoing Reviews
Regular policy evaluations to adapt coverage as your life changes and evolves
Getting protected doesn't have to be complicated. Our straightforward process takes the confusion out of insurance, providing clarity and confidence from your first call through policy delivery and beyond.
Meet Your Licensed Insurance Agent
Experience You Can Trust
Licensed professional with extensive experience focused on Arizona and surrounding states, bringing deep market knowledge and proven expertise to every client relationship.
Transparent Advice
Committed to honest, straightforward guidance and personalized service that puts your needs first—no pressure, no hidden agendas, just clear solutions.
Ready to Help
Available to answer all your questions about IULs, annuities, term life, and final expense policies with patience and expertise.
Connect with Portia BOLDHer SHE-EO
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All Professional Photos Credit to Tosha Ishmon (Ishmon Productions)