SERVICES
Tailored insurance for
every stage of life.
01
Life
Insurance
Life insurance provides financial protection for your loved ones if something happens to you. It can help replace lost income, pay off debts, cover funeral costs, and ensure your family can maintain their lifestyle.
As an independent broker working with 30+ top-rated insurers, I compare policies and pricing to find the best coverage for your specific needs and budget.
02
Whole-Life Insurance
Permanent life insurance provides lifetime coverage and can build cash value over time.
Whole life offers guaranteed premiums, guaranteed cash value growth, and lifelong protection.
Indexed Universal Life (IUL) allows your cash value to grow based on stock market index performance, with downside protection and tax-advantaged growth potential.
These policies are ideal for long-term financial planning, legacy building, and supplemental retirement income strategies.
03
Term Insurance (Mortgage Protection)
Term life insurance provides affordable coverage for a set period (10–30 years) and is ideal for income replacement and mortgage protection.
I also offer term-based mortgage protection policies with Cash Benefit Option (CBO) features. These policies function like a term policy but include living benefits and flexible payout options. If you pass away, your beneficiary can choose to receive the benefit as a lump sum or structured payments to help cover your mortgage and living expenses.
This type of coverage is designed to protect your home and family while remaining budget-friendly.
04
Accidental insurance
Accidental insurance provides an additional layer of financial protection if death occurs due to a covered accident. It pays a benefit directly to your beneficiary to help cover unexpected expenses, debts, or income loss.
This coverage is often used to supplement existing life insurance policies at a very low cost.
05
Disability Insurance
Disability insurance helps replace a portion of your income if you become unable to work due to illness or injury.
This coverage ensures you can continue paying your bills, mortgage, and daily expenses while protecting your financial stability during recovery.
ABOUT
Hi, I’m Hayden Hoffman — a licensed, independent insurance broker helping individuals and families protect what matters most: their loved ones, their income, and their homes.
Unlike agents who work for a single insurance company, I work with over 30 top-rated insurers to find the best coverage and pricing for your specific needs. My role is to shop the market on your behalf and present you with clear, honest options — with no cost or obligation.
I specialize in mortgage protection, term life, permanent life (Whole Life & IUL), disability insurance, and annuities. Whether you’re buying a home, starting a family, planning for retirement, or simply want peace of mind, I help you choose coverage that fits your goals and your budget.
My approach is simple: no pressure, no confusion, and no unnecessary products — just straightforward guidance and personalized protection.
APPROACH
Our goal is to protect what you care about most
Life is unpredictable. An unexpected death, illness, or injury can instantly turn financial stability into financial stress.
Life insurance ensures your loved ones are protected if something happens to you. It can replace lost income, pay off debts, cover funeral costs, and give your family the financial breathing room they need to grieve and rebuild — without added pressure.
Debt insurance and mortgage protection go a step further. They help prevent your family from inheriting your financial obligations. Instead of struggling to make payments or being forced to sell their home, your beneficiaries can use the policy payout to eliminate or cover your mortgage, loans, and major bills.
For most families, their home is their largest asset and their biggest monthly expense. Mortgage protection ensures your family can stay in their home and maintain their lifestyle — even if your income is suddenly gone.
These policies aren’t about fear. They’re about responsibility, stability, and peace of mind. They ensure that the people you care about most are protected financially, no matter what life throws your way.