Contact Our Experts

Reach out to our knowledgeable team to

discuss your life insurance needs and

receive personalized assistance.

Contact Us

First Name

Last Name

Email *

Cell Phone

I Consent to Receive SMS Notifications and Alerts from Lucem Financial. Message frequency varies. Message & data rates may apply. Text HELP for assistance. You can reply STOP to unsubscribe at any time.

By checking this box I agree to receive Occasional Marketing messages from Lucem Financial

Terms & Conditions | Privacy Policy

Frequently Asked Questions

Common Questions Answered for your convenience.

How much life insurance do I really need?

That depends on your goals—are you looking to cover final expenses, replace income, pay off debt, or leave a legacy? A good rule of thumb is 10–15 times your annual income, but the best way to know for sure is through a quick, personalized review. I can help you figure it out—no pressure, no jargon.

What’s the difference between term and whole life insurance?

Term life covers you for a set period (like 10, 20, or 30 years) and tends to be more affordable. Whole life lasts your entire lifetime and builds cash value over time. The right fit depends on your needs and budget—I'm happy to walk you through the pros and cons of each.

Can I get coverage if I have health issues or a pre-existing condition?

In many cases, yes. There are policies designed specifically for people with health concerns, and you might be surprised by what you qualify for. I work with multiple carriers to help find the best option for your situation—even if your health isn't perfect..

Is life insurance expensive?

It doesn’t have to be. Many people overestimate the cost—especially for term policies, which can be surprisingly affordable. Your premium is based on things like age, health, and the amount of coverage you choose. I can help you find a policy that fits your budget.

Why should I work with a financial professional instead of buying online

Online quotes are a start, but they don’t always tell the full story. I can help you understand what you’re buying, avoid hidden pitfalls, and choose coverage that actually fits your life. Plus, I’m here to support you as your needs evolve—not just during the sale.

What happens to my policy if my life situation changes?

Life happens—marriage, kids, new jobs, retirement. The good news? Most policies can be adjusted or updated to keep up. I offer regular check-ins to make sure your coverage still makes sense and your loved ones stay protected.