Insurance Solutions
Coverage That Gives You Confidence
Protect What Matters Most
At Freedom for Living Financial Services, we help individuals and families secure the right insurance coverage for their unique needs and goals. Whether you’re planning for the unexpected or safeguarding your family’s future, we’ll guide you through your options with care and clarity. Our focus is on helping you make informed decisions without unnecessary pressure, so you can feel confident about the protection you’ve put in place. With solutions tailored to your stage of life, we’re here to simplify a complex process and give you peace of mind.
Our Insurance Services
Customized Plans for Real Life
Your insurance needs are as unique as your financial goals. We’ll work with you to create a plan that protects your family and your future.
Life Insurance
Provide financial security for your loved ones with a plan designed to support them if the unexpected happens.
Disability Insurance
Ensure your income continues if an illness or injury prevents you from working.
Long-Term Care Insurance
Prepare for future healthcare needs and help preserve your assets for yourself and your family.
Questions About Insurance?
Here’s What You Need to Know
Why do I need life insurance if I’m still young?
Life insurance isn’t just for older adults—it’s a key part of protecting your loved ones no matter your age. For young families, it ensures your spouse or children can maintain their lifestyle and cover expenses if something happens to you. For single adults, it can help pay off debts or provide funds for final expenses so loved ones aren’t left with a burden. We’ll help you evaluate whether a term or permanent policy is the best fit for your stage of life.
How does disability insurance work, and why is it important?
Disability insurance replaces a portion of your income if you’re unable to work due to illness or injury. Many people don’t realize that their biggest asset is their ability to earn an income, and losing it—even temporarily—can cause major financial stress. We’ll help you understand the types of disability policies available and choose one that gives you the protection you need without overpaying for coverage you don’t.
What’s the difference between long-term care insurance and health insurance?
Health insurance typically covers medical expenses like doctor visits, hospital stays, and prescriptions. Long-term care insurance, on the other hand, helps pay for assistance with daily activities—like bathing, dressing, or in-home care—that aren’t covered by traditional health insurance or Medicare. We’ll help you determine if long-term care coverage makes sense for your situation and discuss ways to balance cost and benefits.
Can I change or update my insurance plans later?
Yes, most insurance plans can be reviewed and adjusted over time as your life changes. Major events like marriage, having children, or retiring often require updates to ensure your coverage still aligns with your needs. We’ll meet with you regularly to review your policies and recommend changes when necessary, so you’re never left with gaps in protection.
What makes Freedom for Living different from other insurance providers?
Unlike agencies that sell only one company’s products, we take a client-first approach and work with multiple carriers to find the best solution for you. As an Ethics Approved Registered Financial Consultant (RFC®), Ron Rogers focuses on education and transparency, so you’ll never feel pressured into buying a product. Our goal is to help you understand your options and choose coverage that fits your life and your budget.