Richard Ek LUTCF

I sell life insurance, lots of it. I have enjoyed what I do since I started in 1975. Life insurance is the most amazing and unique financial instrument known to man. It is designed to deliver money when it is needed most; at disability, at retirement or at death. My specialty is policy remediation which means I rescue people from situations where their life insurance policies are going to lapse before they die (it is more common than you would imagine). In 95% of the cases my clients end up with MORE insurance coverage with LONGER guarantees often for the same premium they were paying on their old policies. If you don't have insurance I'd like to help you get what you need and what you can afford. Because I have access to dozens of companies, I can find coverage for the young and healthy as well as the older and not-so-healthy.

	Early Retirement
	Life After Debt
	Minimizing Estate Tax
	Key Employees