Technology driven, human optimized
Life, disability, long-term care, and annuities — the four pieces of a Risk Protection Package. We size what is missing, shop the carriers, and keep the file current. Technology driven, human optimized.
Independent
No single-carrier quota. The contract has to fit.
Technology driven
Human optimized. We have the ability to meet with people wherever they are.
Four lines
Life, disability, long-term care, and annuities — together.
The work
Most people buy one policy the way they buy a flight: a round number, a comparison site, a hope that it is enough. That is how a household ends up with term life and nothing that pays if they cannot work, nothing for care, and nothing that becomes a paycheck later.
ProtectionPro Partners sits on the other side of that. We open with one question — Is your Risk Protection Package current and up to date? — then we place only the contracts that fill a real gap.
Risk Protection Package
Who still has bills if you die?
A death benefit sized to the people and debts that would remain. Term, permanent, survivorship, and business life — each for a different job.
Read moreWho pays the bills if you cannot work?
A paycheck you can own if illness or injury takes you out of your occupation. More households lose income this way than to an early death.
Read moreWho pays if you need care for years?
Funding for home care, assisted living, or a nursing stay that health insurance will not cover — and that would otherwise spend down the house.
Read moreWill a paycheck still arrive when you stop working?
A contract that can turn savings into income you cannot outlive — the retirement counterpart to the working-years package.
Read more
How we work
Open the package
The same question every time: is the Risk Protection Package current? Life, disability, long-term care, annuities — what you own, what you do not.
Size each gap
Four ledgers, not one. A death benefit, a paycheck if you cannot work, a care fund, and income you cannot outlive.
Place only what is missing
Independent of any single carrier. We shop the case, manage underwriting, and leave a good contract alone.
Keep it current
Births, sales, refinances, a new diagnosis, a retirement date. The package is a file we reopen, not a product we forget.
Package review
Four ledgers in the open: a death benefit, a disability paycheck, a care fund, and income you cannot outlive. Bring those gaps to the meeting — or ignore them. Either way, you will not start from a round million.
Open the package reviewThe firm
CLU, CIC, CPRIA · Principal
Chris is the principal of ProtectionPro Partners. He opens every file with the same question: is the Risk Protection Package current and up to date? Life, disability, long-term care, and annuities — sized to the household, placed only where something is missing, and kept current.
From households we sit with
“They did not start with a product. They started with our mortgage, the twins, and whether anyone could pay the bills if I could not work. The package we bought is boring, which is exactly what we wanted.”
“Our buy-sell had been unfunded for years — and it said nothing about disability. Chris put a number on the table the bank would accept and walked both partners through underwriting without the usual fog.”
“I had two old term policies and no idea what they actually covered. Chris mapped the whole Risk Protection Package, replaced one policy, added DI, and left the rest alone. That restraint is why we stayed.”
Questions
With technology, we can sit with you wherever you are. No product until the package is on paper.