01
Do I have coverage in place?
Many families think they are protected, until they take a closer look at what they actually have.
Life insurance and long-term care
Imagine knowing
your family is protected,
no matter what comes next.
Life insurance can replace your income and help protect your kids' futures. Long-term care planning can protect the savings you have worked for, so the people you love are not left carrying the cost alone.
Book a free 15-minute call
8 years helping families plan · Serving clients throughout the United States
Start with clarity
Questions every family should ask.
These are the questions Sharon walks through with families before anyone makes a decision.
02
Is term or permanent the better fit?
They do different jobs. The right choice depends on how long you need coverage, and whether you want a policy that may build cash value over time.
03
Do I own it, or does my employer?
Workplace coverage can be a helpful start, but it may not follow you if you change jobs.
04
How long will it support my family?
Income, the mortgage, and your kids' years at home all matter when you size a plan.
05
Can I use my policy while I'm still alive?
Many policies include living benefits that let you access part of your death benefit early if you're diagnosed with a critical, chronic, or terminal illness. Most people have no idea whether theirs does.
06
Are my beneficiaries up to date?
Marriages, divorces, new babies, and kids turning 18 all change the answer. Naming a minor directly can mean court delays when your family can least afford them.
Two kinds of life coverage
Term and permanent, explained simply.
Term is often the simplest way to get started. Permanent can last a lifetime and may build cash value. Many policies of both kinds include living benefits you can use if you become seriously ill.
Option 1
Term life
A straightforward way to protect your income for a set number of years, often while your kids are growing.
- Coverage for a chosen period, such as the years your family would need your income
- A common first step for young families and working parents
- If you pass away during the term, it can provide a benefit to the people you love
- Many term policies include living benefits for critical, chronic, or terminal illness
Option 2
Permanent life
Coverage designed to last a lifetime, and it may build cash value you can use later.
- Can last your whole life, not only a set term
- May build cash value you can use later
- May also include living benefits for critical, chronic, or terminal illness
- Many permanent policies can include long-term care benefits, so the same policy can help pay for care
Long-term care
Protect your savings, and the people you love.
Many families are so focused on protecting their kids that they forget to plan for their own care. Long-term care planning is how you protect both.
The cost of care
Care can last for years, and it often costs more than families expect. Without a plan, those costs can come out of the savings you meant for retirement, or for the next generation.
Protecting what you have built
A long-term care plan can help pay for care so you are not forced to spend down everything you have worked for.
Not burdening your kids
The sandwich generation is already stretching between children and aging parents. Planning now is one way to keep your care from becoming their responsibility.
One approach
Traditional long-term care
A policy designed specifically to help pay for care, if you need it later in life. It is one way to keep those costs from falling on your savings, or on your family.
Another approach
Hybrid life and long-term care
A life policy that can also help pay for care. If you need care, the benefit can help. If you do not, it can still leave a benefit for the people you love.
Getting started
3 simple steps.
The next move is a short conversation. From there, the path is clear.
-
1
Book a free 15-minute call
A simple conversation, on your schedule, with no pressure to decide on the spot.
-
2
Get clear on your options
We will look at what you have, what your family would need, and which path may fit.
-
3
Put protection in place
Cover the years that matter, and plan for care, with a plan you understand.
Client scenarios
What this can look like in real life.
Every family is different. These examples are illustrative, and individual results vary.
“
Protecting income while the kids are young
They were in their thirties, with two young children and a mortgage. We set up a term life policy so that if the main income earner died, the family could stay in their home and keep the kids' years at home on track.
“
Support while she recovered
In her late twenties, she wanted coverage to protect her mortgage, her ability to work, and her future family. When she was in a severe car accident, she was able to access her policy's living benefits to support her financially while she recovered.
“
Planning so her kids would not have to
In her fifties, she was already helping her aging parents and did not want her own children to face the same. A hybrid life and long-term care policy meant the benefit could help pay for her care, or be left as a gift if she never needed it.
Workshops & education
Education before decisions.
Sharon regularly leads workshops that help families understand life insurance, income protection, and long-term care.
About Sharon
A trusted guide for both generations.
Licensed insurance professional
For 8 years, Sharon Zafrani has helped families make confident decisions about life insurance, income protection, and long-term care. As a mom of three, ages 9, 12, and 14, and a daughter of aging parents, she knows firsthand the pressure of planning for both generations. She started out wanting to understand her own family's finances and realized how many people in her community had no one to walk them through it. Today she's the trusted guide who helps clients protect the people they love and the savings they have worked for, using solutions most people never hear about.
Let's find the protection that fits your family.
A free 15-minute call is enough to talk through your questions and see what may be a good fit.