It’s not for you. It’s for them.
Gain peace, a plan, and protection with life insurance.
Tomorrow is always unknown.
Being unprepared causes an underlying sense of uneasiness.
It limits being able to fully relax and enjoy each day.
Life insurance eliminates financial uncertainty.
It makes sure your family will be okay - financially - if you are no longer here.
"I used to have only basic life insurance through work. My husband never had any life insurance.When we became parents, we purchased two smaller policies, but we were still not fully protected. Despite being a finance professional, I knew we should always do more, but we never did. We always put it off because we had “some.” Years went by, wages went up, age increased, health risks increased. We still did nothing else. We finally purchased enough coverage to make SURE we would each be fine if something happened to the other. The day that coverage went into place felt AMAZING. I never realized the underlying anxious feeling I had was caused by not having a solid plan. Now I help other families get the same peace of mind and feel prepared. Just in case. "-Jodie Borowicz
There are only 3 basic options:
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1. Temporary
“Term” life insurance is the simplest (and cheapest) type of life insurance you can buy because it does one thing: When you die, your spouse, children or other beneficiaries receive a fixed amount of money to replace your income to pay the mortgage and the bills.
8/10 American families live paycheck to paycheck with TWO incomes these days. Even still, a $1000 emergency is still a big deal for most families. Losing an income earner during your working years can be catastrophic to the family home.
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2. Permanent
Like the name says, this covers your whole life. You put protection in place and it’s there. For your “whole” life.
Each month when you pay your premium, a portion of that premium goes into a cash value account that grows during the life of the policy. You can borrow against the cash value. It’s like a permanent savings account, that also pays a death benefit when you die. Universal life and Final Expense policies are considered types of permanent policies.
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3. Supplemental
These policies cover specific things. Like disability, accidental death or critical illness that cause lost income for your household.
If your employer doesn’t offer disability insurance coverage: you need a disability policy. Social security for disability is only about $1,000 per month. That’s it.
In the first half of life, accidental death is the leading cause of death (car accidents, falls, unintentional overdose, drownings, etc.)
Critical illness covers major illnesses like cancer, stroke or heart attack. If you become ill and can’t work: these policies pay you cash each month.
Life insurance doesn’t have to be complicated.
I help you - that’s my job.
The right protection that fits your budget.
HOW DO I GET COVERED?
3 Simple Steps-
Step 1: Request a FREE QUOTE
Enter the information by clicking any “Get a Free Quote” buttons on this page. This information comes directly to me. It is 1000% confidential.
I get to work on shopping for you with over 30+ A-rated carriers. I find you the best coverage for the lowest rate.
I am an independent broker. I work for you, not an insurance company or agency.
After receiving your request for a quote, I will contact you within 24 hours for Step 2.
Step 2: APPOINTMENT
The appointment is a hassle-free, no-obligation call or text to go over your best options.
Your health status does NOT exclude you from coverage. I have multiple guaranteed isssue carriers I work with in which health “things” do not matter.
Step 3: APPLY
At the appointment, you pick the best option for your family and budget. I help, I know it can be confusing. I explain things in understandable terms.
I fill out the application electronically for you, and we hit submit! All from the phone or text. Many carriers use TEXT approval now! If you’re local to me, I’m happy to meet in person.
No labs, doctors visits, sample cups - easy peasy these days!
I am an independent broker.
I work WITH the best insurance companies to get you the best protection at the lowest rate.
I do not work FOR any insurance companies, I work for YOU!
Meet Jodie Borowicz
Hi, I’m Jodie Borowicz.
I live in northern Michigan with my family. I spent the first half of my career, over 20 years, as a CPA in accounting and finance. I’d consider myself a recovering CFO :)
As a professional Mom, I was seeking a career that was more flexible and allowed me to be more present with my family; yet would keep me professional and give me a sense of real purpose. I faced the fact that no one cared about my spreadsheets :)
Now I protect families. I make sure they have enough coverage, at the very least, to pay the mortgage and keep a family in a home if a paycheck was lost.
I can also work with you on monthly budgeting or a financial plan for the future (I’m also a certified financial coach). I have tools, galore and love helping people.
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FAQs
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No. You do not OWN the policy. Your employer does. Having life insurance through work is a great start. If you leave your job, your coverage ENDS. You may have it with your new employer too, but when you get to retirement, you have nothing. And you’re 60-70 years old. Also, as folks are entering retirement and they still have a mortgage - many don’t have enough retirement or savings to take care of the spouse for the spouse for the rest of their life. Lock into your price as soon as you can, and be in control of the policy.
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I will help you with specifics. General guidelines for:
Working Families - Each spouse insured to protect the mortgage and a few months or years of bills. A good guideline is 10-12 times your annual wages. But ANYTHING that fits your budget is better than zero.
Retired Couple - If you dont have healthy retirement accounts, and still have a mortgage, you should have coverage to pay off the mortgage in full, partial, or several months for the critical period after death. The surving spouse will then have the gift of time to determine their next course of action.
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That is amazing! That is great news, you’re alive still! It did what it was designed to do, protect your income for your family when you’re in the most expensive stage of your life - mortgage and kids. And during the most risky years!
But you feel like you wasted your money? Well - there are policies that give you your money back at the end, tax free. You pay more per month during the policy, but if you outlive it, you get it back.
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I get it. Technology has made interpersonal interaction so abnormal - but getting you and your family the right amount of protection for a price that fits in the budget is tailored specfically to you. My license requires me to make sure you actually need the coverage, and that we aren’t going to create a new financial stressor with what you choose. But yes, we have to interact to some degree - it can be by phone, text, zoom, or over coffee … it’s whatever you’re comfortable with.
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Most likely, absolutely not! I have numerous carriers that offer coverage for seniors, and final expenses up to 85 years old.
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Well, it may seem pretty strange for a child to have life insurance. However, rates are always the lowest at the youngest age you are, and you are typically the healtiest; so it’s never a bad idea to consider locking in coverage at a minimum rate before the child ages and potentially develops health issues. These are a particularily good idea for kids that have parents that were unlucky with health; so they don’t end up with uninsurable health issues later in life. Many products provide interest and other benefits for their whole life.