Trysha Greenwood is a licensed life insurance broker helping families choose coverage that actually fits their life, explained in plain language, with no pressure.
Nobody likes thinking about this. But asking it now, while everything is fine, is exactly how you make sure your family never has to figure out the answer the hard way.
Would your family be able to stay in your home? Keep up with the bills? Keep life moving without also worrying about money, on top of everything else?
A diagnosis is hard enough on its own. Would you also be worrying about how to pay for treatment, keep up with the mortgage, or cover months without a paycheck?
An accident or injury doesn't ask permission first. If you suddenly couldn't work for a few months, would your household still be okay?
If you're not sure how you'd answer any of those, that's exactly why a conversation with me is worth having. It costs nothing, and it might be the most important 15 minutes you spend this year.
Hi, I'm Trysha. I'm a wife, a mom to two kids, and I've got one very loyal dog who somehow ends up in most of my photos. I live right here in Indiana, and I've spent years in this business helping families get real protection in place, without the confusion or the pressure.
I keep things simple. No big words, no scare tactics, no pushy sales pitch. Just an honest conversation about what you're trying to protect, so we can find a plan that actually makes sense for you and your budget.
I work with a wide range of insurance companies, so I'm never stuck pushing just one product. I look at your whole situation, walk you through your real options in plain English, and I'm still your point of contact after the paperwork is signed, not just before.
NAIC Licensed in 18 States · NPN: 21500627
These all work a little differently, and odds are at least one of them applies to you right now. Here's a plain-language breakdown, no insurance degree required.
Your mortgage doesn't pause if something happens to you. Do you know what would happen to it if it did? Mortgage protection is coverage built specifically around your home loan. If you pass away or become seriously ill, it can help pay off or pay down what's owed, so your family isn't forced to move, sell, or scramble to cover the payment on top of everything else.
If your paycheck disappeared tomorrow, could your family keep up? Term life insurance replaces your income for a set number of years, usually 10 to 30. It's the most affordable way to put a large amount of protection in place while you're raising kids, paying off debt, or covering the years your family depends on you most.
What if your coverage never expired, and grew in value the whole time you had it? Whole life insurance lasts your entire life, not just a set number of years, and it builds cash value you may be able to use later. It guarantees your family is covered no matter when you pass, while building something you can lean on while you're still here.
What if your life insurance could also help fund your retirement? An IUL is permanent coverage with a cash value that has the potential to grow based on market performance, without directly risking that money in the market. It's flexible protection that can double as a long-term savings tool.
The average funeral costs thousands of dollars. Who pays for yours? Final expense coverage is a smaller, simplified policy built to cover funeral costs, medical bills, and other end-of-life expenses, so they don't land on your family during an already hard time. It's typically easier to qualify for than larger policies, even with health conditions.
Been turned down before, or worried your health will get in the way? Guaranteed issue coverage is built for adults ages 50 to 80 who may not qualify for traditional life insurance. There's no medical exam and no health questions. Most plans like this do have a short waiting period before the full benefit applies to natural causes, but it still means your family isn't left covering the bill when nothing else has worked.
Most life insurance won't cover a broken leg keeping you out of work for two months. This can. Accidental coverage pays out if you're injured or killed in a covered accident, often on top of your other coverage. It can help with medical bills, lost income, or everyday expenses right when you need cash the fastest.
What if you didn't have to wait until you died to use your own life insurance? Living benefits let you access part of your death benefit while you're still alive, if you're diagnosed with a qualifying illness. This is one of my specialties. Keep reading below.
Picture this: you get a diagnosis. Cancer. A heart attack. A stroke. Something that stops your life in its tracks. On top of everything else, now you're facing treatment, time off work, and a mountain of stress you never planned for.
With living benefits, a portion of your life insurance can be paid out to you while you're still living, if you're diagnosed with a qualifying critical, chronic, or terminal illness. That money isn't locked away until you pass. It's there when you need it most, to help with treatment, keep up with the mortgage, or simply give you room to breathe instead of worrying about how to pay for it.
This is an area I focus on closely with my clients, because I've seen how much it matters. Not every policy includes these benefits, and carriers don't all define them the same way, which is exactly the kind of thing worth walking through together before you choose a plan.
Ask Me About Living BenefitsMost of the time, no. About 90% of the time, a simple health questionnaire is all it takes to apply, no needles, no appointment. Depending on your answers, you could get approved and have coverage in place starting day one.
It depends on your age, health, the type of policy, and how much coverage you need. There's no one-size-fits-all number, which is exactly why I compare real options for you instead of quoting a single price upfront.
In most cases, yes. A health condition can affect your options, but it rarely rules you out completely. I work with a range of carriers specifically so we can find something that fits, even if you've been declined somewhere else before.
A lot more people than you'd think, anywhere from a newborn baby to age 85. Coverage looks different depending on where you fall in that range, but there's almost always something available.
Some policies, like whole life and IUL, don't just pay out when you pass away. A portion of what you pay in builds up over time into savings inside the policy, called cash value. It grows slowly at first, but the longer you keep the policy, the more it builds. While you're alive, you can typically borrow against it or withdraw from it, for things like an emergency, a down payment, or extra retirement income, without touching your death benefit. Think of it as life insurance that also quietly builds you a financial cushion in the background.
Usually not, and that's worth knowing. Employer coverage typically ends the moment you leave or lose that job, and it's rarely enough on its own. A policy in your own name goes with you no matter where you work.
No. Reaching out costs nothing and comes with zero obligation. Most of our first conversation is just me learning about your situation and answering your questions. That's it.
Talking to me costs nothing, comes with zero pressure, and could genuinely change what happens to your family down the road. Send a few details below and I'll follow up personally.
3420 Westover St, Peru, IN 46970
NAIC Licensed in 18 States · NPN: 21500627
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