About Us

Helping You Protect What Matters Most

Josiane Umutoni is a dedicated licensed insurance agent with a deep passion for helping people. Inspired by personal experiences from a young age, she understands the importance of financial security and support during challenging times. After losing her mother at the age of six, she faced significant changes that shaped her commitment to ensuring others have the protection they need. With a focus on empathy and understanding, Josiane strives to provide clients with the best insurance solutions tailored to their unique situations.

Josiane Umutoni

Why Work With an Independent Broker?

Your Advocate in Insurance

As independent insurance brokers we work for you - not the insurance companies. We are not tied to any single carrier, which means our focus is always on finding the right solution for your needs and budget.

We use advanced quoting and underwriting software to compare multiple highly-rated carriers based on your health profile financial goals, and coverage needs. This allows us to match you with options designed to protect your family at a price you can comfortably afford.

What We Offer

IUL - Indexed Universal Life

Indexed Universal Life (IUL) insurance offers flexible coverage with customizable benefits and tax-free cash value growth with investment options, providing protection for loved ones and potential tax-free income based on your financial goals.

Mortgage Protection

Mortgage protection insurance helps you pay off your home loan if you pass away or become disabled, so your family stays secure. It gives peace of mind knowing your biggest debt won’t become a burden to loved ones.

Term Insurance

Term life insurance offers straightforward, affordable coverage for a set period, providing a death benefit to your beneficiaries if you pass away during the term, ensuring financial protection for your loved ones and peace of mind for you.

Final Expense Insurance

Final expense insurance provides affordable guaranteed whole life coverage designed to cover funeral costs and other end-of-life expenses, ensuring that your loved ones are not burdened with these costs after your passing.

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