Empower Life GuideInsurance & Retirement

Services

Protection & retirement services

Every product below is a tool — the right one depends on your family, budget, and goals. Explore each service, or request a free consultation and May will help you decide.

Term Life Insurance

Maximum coverage, minimum cost

Pure protection for 10–30 years at the most affordable rates. If the unexpected happens, your family receives the full payout — completely tax-free.

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Whole Life Insurance

Lifetime coverage that builds wealth

Permanent coverage with premiums that never increase — plus guaranteed cash value you can borrow against or withdraw, completely tax-advantaged.

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Final Expense Insurance

Protect your family from end-of-life costs

Smaller whole life policies ($5k–$50k) designed to cover funeral costs, medical bills, and final expenses — so your family isn't left with the burden.

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Indexed Universal Life

Market growth with zero downside

Permanent coverage linked to a market index like the S&P 500 — you participate in market gains with a 0% floor, so you never lose cash value in a down year.

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Annuities

Income you can't outlive

Convert your savings into a guaranteed income stream — for a set period or for the rest of your life. The cornerstone of any solid retirement plan.

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Retirement & 401(k) Rollover Guidance

Make your retirement savings work harder

Changing jobs or retiring? Navigate your 401(k) options with confidence — and explore strategies that protect and grow your long-term savings.

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Health Insurance

Coverage for you & your family

Individual and family health plans that fit your budget — with guidance through the marketplace, subsidies, and enrollment windows so you don't overpay.

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Group Health Insurance

Benefits that keep great employees

Group health plans for small businesses — competitive benefits that attract and keep talent, with plan comparisons and enrollment handled for you.

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Not sure where to start?

That's exactly what a free consultation is for. No pressure, no jargon — just clarity on your options.