Insurance Solutions – Protecting Your Family, Income & Health
Planning for Life’s “What Ifs”
Life can be unpredictable, but having the right insurance in place helps ensure those you love—and the income you depend on—are protected no matter what comes your way. At Realegacy Partners, we design insurance solutions that reflect your actual needs, both now and in the future.
Our advice is client-first, every time.
Insurance Options Designed Around You
- Life Insurance – From affordable term life to permanent policies with cash value, we match coverage to your goals. Explore life insurance options.
- Infinite Banking Concept®– Use whole life insurance to build cash value and create your own personal financing system.
- Disability Income Protection – Keep income coming in if you can’t work due to illness or injury.
- Dental & Vision Plans – Affordable coverage for care Medicare or standard health insurance often skips. Learn about dental & vision plans.
- Hospital Indemnity Insurance – Cash benefits to offset hospital stays, especially valuable for Medicare Advantage members.
Life Insurance for Family & Legacy
Life insurance can be a safety net, a legacy, or even part of your financial strategy. We help you choose between:
- Permanent Life – Whole or universal life for lifelong protection, plus cash value you can access later.
- Term Life – Affordable coverage for temporary needs, like paying off a mortgage or replacing income until kids are grown.
It’s about finding the right balance for your stage of life, budget, and long-term plans.
Disability Income Protection
Your ability to earn a living is one of your most valuable assets. Disability insurance helps replace part of your income if you can’t work due to illness or injury—preventing debt, stress, and lifestyle disruption. We tailor policies for individuals, business owners, and high-income earners who may need more than an employer plan offers.
Infinite Banking Concept® – Building Wealth While Staying Protected
As an Infinite Banking Concepts® Authorized Practitioner, we can show you how to use a whole life policy’s cash value as your own personal financing system. It’s a disciplined, long-term strategy for building wealth, funding purchases, and still protecting your family’s future.
Our Client-First Approach
A young family may need term life and disability protection; a retiring couple might need final expense coverage, Medicare supplements, and dental insurance. Every recommendation we make is grounded in your unique goals, stage of life, and financial priorities.
Supplemental Health Coverage
Even with Medicare or standard health insurance, gaps remain. We can help.
Dental Insurance
Covers cleanings, exams, fillings, and more.
Vision Insurance
Helps with exams, glasses, and contacts.
Hospital Indemnity
Pays cash directly to you during a hospital stay to help with copays, deductibles, or other costs.
These plans help you manage expenses that can sneak up on a fixed income or during unexpected health events.
FAQs – Life & Health Insurance
How much life insurance do I need?
Enough to cover debts, replace income for dependents, and meet future goals like college funding. We’ll help you calculate the right amount.
Term vs Whole Life – which should I choose?
Term is budget-friendly and temporary. Whole life is permanent with a cash value component. Many families use a mix of both.
Do I need disability insurance if I have coverage at work?
Employer plans are a start, but may not cover bonuses, commissions, or high incomes. Private coverage can close the gap.
Can I get dental or vision coverage if I’m on Medicare?
Yes—standalone plans are available and can be purchased anytime.
What’s hospital indemnity insurance for?
It helps cover costs from hospital stays, particularly for those with Medicare Advantage plans that have copays for inpatient care.
Get Your Free Insurance Checkup
Life changes—and so do your insurance needs. Whether you’ve had a new baby, bought a home, started a business, or are nearing retirement, now’s the time for a coverage review.
Contact us today to schedule your complimentary insurance checkup.