Protect what matters most — with guidance that puts your needs first.
When life changes — whether you’re nearing retirement, changing jobs, or becoming a caregiver — it’s natural to have questions about how your insurance fits into your new picture. Do I still need life insurance? What about disability coverage? Is my plan too much… or not enough?
At Heartfelt Financial Solutions, I help you cut through the confusion and make smart, personal decisions about life, disability, and supplemental insurance — without pressure, complexity, or one-size-fits-all solutions.
“Insurance is more than a policy — it’s peace of mind for the people you love. I’m here to help you choose protection that truly fits your life.”
Robin Depies
Heartfelt Financial Solutions, LLC
Life Insurance — Reassurance for the What-Ifs
Life insurance is something most of us don’t want to think about — until it suddenly becomes urgent. Whether you’re reviewing an existing policy, exploring options for the first time, or wondering if you even need it anymore, I can help you figure out what makes sense.
Together, we’ll talk through:
- Term vs. whole life insurance — what’s the difference?
- Do you still need life insurance after 60 or 65?
- How to make sure your loved ones are truly protected
- What happens to old policies you may no longer need
You won’t find pushy sales tactics here — just honest conversations to help you feel more secure about the future.
Let’s Visit
If you’d like help sorting through your insurance options — or reviewing what you already have — I’m here for you. Our first conversation is always free, and you’ll leave with more clarity than you started with.
Term Life Insurance
Term life insurance provides coverage for a set period of time — usually 10, 20, or 30 years. If you pass away during that term, your beneficiaries receive a death benefit. Term policies are typically the most affordable option and are great for covering temporary needs like a mortgage or raising children. However, if you outlive the term, the policy expires with no payout. …Learn More Here
Whole Life Insurance
Whole life offers permanent coverage that never expires, as long as you keep paying the premiums. It also builds cash value over time, which you can borrow against if needed. While it costs more than term, whole life can provide lifelong peace of mind and can be part of legacy or estate planning. …Learn More Here.
Universal Life Insurance (UL)
Universal life is a type of permanent life insurance, which means it can cover you for life. It offers a flexible premium and death benefit, and it includes a cash value component that grows over time. You can even adjust how much you pay or how much coverage you have, based on your needs. …Learn More Here
Variable Life Insurance
Final Expense Insurance
Also known as burial or funeral insurance, final expense policies are designed to cover end-of-life costs, like funeral expenses, medical bills, or small debts. They’re typically whole life policies with smaller death benefits — often between $5,000 and $25,000 — and are ideal for those looking to leave loved ones with peace of mind and no unexpected costs. …Learn More Here.
Indexed Universal Life Insurance (IUL)
What are the different types of life insurance?
When it comes down to it, there are essentially two kinds of policies: term life insurance and permanent life insurance and within those categories are other options. How do you know which is right for you?
Here’s a simple breakdown of the most common options. If you still have questions, I’m always here to help.
What are the different types of life insurance?
When it comes down to it, there are essentially two kinds of policies: term life insurance and permanent life insurance and within those categories are other options. How do you know which is right for you?
Here’s a simple breakdown of the most common options. If you still have questions, I’m always here to help.
Term Life Insurance
Term life insurance provides coverage for a set period of time — usually 10, 20, or 30 years. If you pass away during that term, your beneficiaries receive a death benefit. Term policies are typically the most affordable option and are great for covering temporary needs like a mortgage or raising children. However, if you outlive the term, the policy expires with no payout. …Learn More Here
Whole Life Insurance
Whole life offers permanent coverage that never expires, as long as you keep paying the premiums. It also builds cash value over time, which you can borrow against if needed. While it costs more than term, whole life can provide lifelong peace of mind and can be part of legacy or estate planning. …Learn More Here.
Universal Life Insurance (UL)
Universal life is a type of permanent life insurance, which means it can cover you for life. It offers a flexible premium and death benefit, and it includes a cash value component that grows over time. You can even adjust how much you pay or how much coverage you have, based on your needs. …Learn More Here
Variable Life Insurance
Final Expense Insurance
Also known as burial or funeral insurance, final expense policies are designed to cover end-of-life costs, like funeral expenses, medical bills, or small debts. They’re typically whole life policies with smaller death benefits — often between $5,000 and $25,000 — and are ideal for those looking to leave loved ones with peace of mind and no unexpected costs. …Learn More Here.