My Story
Insurance should feel like a conversation, not a transaction.
I became an insurance advisor because I watched people I love get blindsided — my parents faced unexpected Medicare gaps, my sister's family discovered their life policy had lapsed right when they needed it most. The system was confusing by design. I wanted to change that for real people.
ClearPath Coverage is not a marketplace algorithm. It's a practice built around one-to-one relationships. I take the time to understand your health, your family, your finances, and your worries — then I find coverage that actually protects you.
I specialize in the moments that matter most: approaching Medicare eligibility, navigating a major life change, or simply wanting a trusted advisor who will pick up the phone when you call.
"The goal isn't to sell you a policy. It's to make sure you and your family are genuinely protected — and that you understand exactly what you have and why."
Transparent
I explain every option in plain language — no jargon, no fine print surprises.
Personal
I know your name, your situation, and your goals — not just your policy number.
Accessible
I return every call and message — because your questions deserve real answers.
What I Offer
Coverage that grows with your life
Whether you're approaching Medicare, protecting your family's future, or simply trying to make sense of your options — I offer personalized guidance at every stage.
Medicare Coverage
Turning 65 or approaching eligibility?
Medicare is more complex than it looks. I help you compare Medicare Advantage, Supplement (Medigap), and Part D drug plans — so you choose the right fit for your doctors, prescriptions, and budget. No hidden trade-offs.
Life Insurance
Protecting the people who depend on you.
Term or permanent, a single policy or a layered strategy — I match the right coverage to your family's needs and your long-term financial picture. Because life insurance is a promise, not just a product.
Health Insurance
Individual, family, or self-employed.
Whether you're between employer plans, self-employed, or exploring Marketplace options — I find coverage that balances premium cost with real-world benefits, and I help you use it once you have it.
Annual Coverage Reviews
Because your life changes — your coverage should too.
Every year I check in with my clients to review their plans, flag any changes in their coverage, and make sure what they have still fits their life. You're never alone after you sign.
The ClearPath Difference
Not a marketplace.
Not a call center.
A person who cares.
The comparison sites show you hundreds of options and disappear. I show you the right options and stay by your side.
I work for you, not the carrier.
As an independent advisor, I'm not tied to one insurance company's products. I compare plans across multiple carriers to find what genuinely fits your situation — not what pays the highest commission.
Plain-language explanations, every time.
Deductibles, coinsurance, formularies, enrollment windows — I explain what every term means in plain language before you make any decision. You will understand your coverage.
A local advisor who knows your name.
When your claim is denied, when you get a confusing EOB, when Medicare rules change — you call me. I answer. That's the relationship I build with every client.
No pressure. Ever.
My practice grows on referrals, not volume quotas. I'd rather spend an hour answering your questions and have you leave with exactly the right plan — or no plan at all — than push you into something that doesn't serve you.
Clients say it best
I had no idea what Medicare Advantage even was. After one conversation I finally understood my options. I ended up saving over $1,800 a year and my doctor is still in-network.
Patricia M.
Retired, age 67 — Medicare client
When my husband passed, I was terrified about losing our family's health coverage. ClearPath guided me through every step — no rush, no pressure, just real answers when I needed them most.
Sandra K.
Widow, age 58 — health & life client
I'm self-employed and had been overpaying for terrible coverage for years. Found the right plan in one meeting. Wish I'd called sooner.
James R.
Small business owner, age 49
15+
Years advising clients
100%
Independent — no carrier quotas
3
Specialties: Life, Health & Medicare
Same-day
Response to every message
Ready to get clarity?
Let's talk about your coverage.
A free, no-obligation conversation — where I listen first and answer every question you have. No scripts, no sales pressure. Just a clear path forward.
Start my free conversationFree consultation. No obligation. I respond within one business day.