INDIVIDUAL INSURANCE CONSULTING
We provide expert guidance to help individuals and business owners secure the right coverage for their unique needs, goals, and stage of life.
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Whether you're protecting your family, your income, or your business - we deliver objective, needs-based advice
that ensures the right solutions are in place for the moments that matter most.
SERVICES
INDIVIDUAL
INSURANCE PLANNING
​Life Insurance
Provides financial support to your beneficiaries in the event of your death - helping cover debts, income replacement, and long-term family needs. Can also support estate planning and charitable giving goals.
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​​​​Critical Illness Insurance
Delivers a one-time lump sum payment upon diagnosis of a covered serious illness (ex. cancer). Helps offset lost income, medical expenses, or recovery-related costs without depleting savings.
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​​​​Disability Insurance
Replaces a portion of your income if you’re unable to work due to injury or illness. This coverage ensures your financial stability during extended recovery periods.
BUSINESS
SUCCESSION PLANNING
Key Person Insurance - Life, Disability & Critical Illness
Protects the company from financial losses due to the death, disability, or critical illness of a key contributor. The business is the owner and beneficiary of the policies. This coverage provides working capital or funds to cover operational disruption, recruit and train a replacement, or manage recovery periods - stabilizing the business during periods of uncertainty or transition.​​​
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Buy-Sell Agreement Funding - Life Insurance
Ensures that remaining owners have the funds to buy out a deceased partner’s shares. The company or shareholders own a life insurance policy on each other. This coverage provides liquidity to surviving owners and the deceased's family and avoids forced asset sales.​​​​
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Buy-Out Insurance - Disability Insurance
Funds the buyout of an owner who becomes permanently disabled and is typically a lump sum or structured payout. This coverage avoids financial strain on the company and ensures compensation to the disabled partner.
"I had no idea how underinsured I was until working with
Enlightened Benefits Consulting.
Christine took the time to understand my personal goals, walked me through every option, and built a plan that actually made sense for my life -
not just a sales pitch.
I feel genuinely confident that my family is protected now,
no matter what happens."
- CLIENT TESTIMONIAL -