Protect What Matters Most

Your Family, Business & Future

From life insurance to long-term care, disability coverage, and annuities, we help you build a financial plan that balances growth, protection, and peace of mind at every stage of life.

Financial Protection & Planning Solutions

At Cross-Practice Insurance, we believe true financial security means more than just saving for the future. It’s about protecting your family, your business, and your legacy from life’s biggest risks—living too long, dying too soon, or facing disability or unexpected medical expenses along the way.

Our products and strategies are designed to give you peace of mind and confidence at every stage of life.

Explore Our Solutions

  • Life Insurance Affordable protection with fast approvals, including no-medical-exam options.

  • Life Insurance for Business Owners Customized strategies to protect your business and unlock powerful tax advantages.

  • Long-Term Care Insurance Shield your assets from the high cost of long-term medical care.

  • Disability Insurance Safeguard your income and professional future with the right coverage.

  • Annuities Turn your retirement savings into guaranteed lifetime income.

Cross-Practice is here to help you build a financial plan that balances growth, protection, and security.

Financial Protection & Planning Solutions

At Cross Practice, we believe true financial security means more than just saving for the future. It’s about protecting your family, your business, and your legacy from life’s biggest risks—living too long, dying too soon,

or facing disability or unexpected medical expenses along the way.

Our products and strategies are designed to give you peace of mind and confidence at every stage of life.

Explore Our Solutions

  • Life Insurance Affordable protection with fast approvals, including no-medical-exam options.

  • Life Insurance for Business Owners Customized strategies to protect your business and unlock powerful tax advantages.

  • Long-Term Care Insurance Shield your assets from the high cost of long-term medical care.

  • Disability Insurance Safeguard your income and professional future with the right coverage.

  • Annuities Turn your retirement savings into guaranteed lifetime income.

Cross Practice is here to help you build a financial plan that balances growth, protection, and security.

Life Insurance

Protect your loved ones with flexible, modern life insurance solutions.

At Cross-Practice, we make life insurance simple. The industry has evolved, and today, many people especially those under 50 can be approved without a medical exam. That means the approval process can drop from 60 days to as little as 10.

Through our partnership with Ethos, you can apply from your tablet or smartphone and be approved in minutes.

Why Choose Life Insurance?

  • Protect your family’s lifestyle and financial security

  • Cover temporary obligations like a mortgage or college tuition

  • Build long-term protection for estate planning and wealth transfer

Life insurance is not one-size-fits-all. Cross-Practice helps you select the right policy term, permanent, or a combination that aligns with your goals and budget.

Life Insurance

Protect your loved ones with flexible, modern life insurance solutions.

At Cross Practice, we make life insurance simple. The industry has evolved, and today, many people especially those under 50 can be approved without a medical exam. That means the approval process can drop from 60 days to as little as 10.

Through our partnership with Ethos, you can apply from your tablet or smartphone and be approved in minutes.

Why Choose Life Insurance?

  • Protect your family’s lifestyle and financial security

  • Cover temporary obligations like a mortgage or college tuition

  • Build long-term protection for estate planning and wealth transfer

Life insurance is not one-size-fits-all. Cross Practice helps you select the right policy term, permanent, or a combination that aligns with your goals and budget.

Life Insurance for Business Owners

Protect your business. Protect your family. Optimize your wealth.

As a business owner, you have access to planning strategies that go far beyond traditional employee benefits. The right life insurance plan can help you:

  • Deduct up to $400,000 annually through retirement plans (401k, profit-sharing, defined benefit, and more)

  • Structure deferred compensation or split-dollar plans for long-term wealth building

  • Fund premiums through your business, creating additional tax advantages

At Cross-Practice, we design customized life insurance strategies for business owners that safeguard your company, your employees, and your family—while helping you maximize tax efficiency and retirement savings.

Life Insurance for Business Owners

Protect your business. Protect your family. Optimize your wealth.

As a business owner, you have access to planning strategies that go far beyond traditional employee benefits. The right life insurance plan can help you:

  • Deduct up to $400,000 annually through retirement plans (401k, profit-sharing, defined benefit, and more)

  • Structure deferred compensation or split-dollar plans for long-term wealth building

  • Fund premiums through your business, creating additional tax advantages

At Cross Practice, we design customized life insurance strategies for business owners that safeguard your company, your employees, and your family—while helping you maximize tax efficiency and retirement savings.

Long-Term Care Insurance

Protect your assets from the rising cost of care.

Nearly 30% of bankruptcies in the U.S. are linked to unpaid medical bills. With the average cost of a long-term care facility exceeding $100,000 per year—and an average stay of three years—that’s a potential $600,000 after-tax hit to your retirement savings.

Cross-Practice offers comprehensive long-term care planning that combines:

  • Tailored insurance solutions

  • Trust and estate planning strategies

  • Options to leverage your existing life insurance policies

Our goal is to help you preserve your wealth, maintain your independence, and protect your family from financial strain.

Long-Term Care Insurance

Protect your assets from the rising cost of care.

Nearly 30% of bankruptcies in the U.S. are linked to unpaid medical bills. With the average cost of a long-term care facility exceeding $100,000 per year—and an average stay of three years—that’s a potential $600,000 after-tax hit to your retirement savings.

Cross Practice offers comprehensive long-term care planning that combines:

  • Tailored insurance solutions

  • Trust and estate planning strategies

  • Options to leverage your existing life insurance policies

Our goal is to help you preserve your wealth, maintain your independence, and protect your family from financial strain.

Disability Insurance

Your income is your greatest asset—protect it.

If you’re like most professionals, your ability to earn an income is the foundation of your financial plan. Disability insurance ensures that if illness or injury prevents you from working, your financial stability continues.

At Cross-Practice, we specialize in own-occupation disability coverage, which pays benefits if you cannot work in your specific profession—not just any job.

Key Advantages

  • Coverage designed to last until retirement (age 67)

  • Options to increase coverage as your income grows—without another medical exam

  • Protection of the lifetime earnings you’ve worked so hard to achieve

Disability insurance is more than protection it’s peace of mind for you and your family.

Disability Insurance

Your income is your greatest asset—protect it.

If you’re like most professionals, your ability to earn an income is the foundation of your financial plan. Disability insurance ensures that if illness or injury prevents you from working, your financial stability continues.

At Cross Practice, we specialize in own-occupation disability coverage, which pays benefits if you cannot work in your specific profession—not just any job.

Key Advantages

  • Coverage designed to last until retirement (age 67)

  • Options to increase coverage as your income grows—without another medical exam

  • Protection of the lifetime earnings you’ve worked so hard to achieve

Disability insurance is more than protection it’s peace of mind for you and your family.

Annuities

Turn retirement savings into guaranteed lifetime income.

Annuities are not investments. They are insurance products designed to protect you from one of the greatest risks in retirement outliving your money

With people living longer and returning to the workforce becoming more difficult after retirement, annuities provide steady, predictable income that supplements pensions and Social Security.

Cross-Practice helps you create a personalized distribution plan that considers:

The result: confidence that your retirement income will last as long as you do.

Annuities

Turn retirement savings into guaranteed lifetime income.

Annuities are not investments. They are insurance products designed to protect you from one of the greatest risks in retirement outliving your money

With people living longer and returning to the workforce becoming more difficult after retirement, annuities provide steady, predictable income that supplements pensions and Social Security.

Cross Practice helps you create a personalized distribution plan that considers:

The result: confidence that your retirement income will last as long as you do.

Why Trust Cross-Practice Insurance? Credentials That Set Us Apart

When it comes to protecting your family, your business, and your financial future, you want more than just productsyou want guidance from professionals who care about your goals and have the credentials to back it up.

Cross-Practice brings together:

  • Over 15 years of experience in life insurance and financial services

  • Licensed professionals with Series 65, 63, 7, and 24 credentials

  • Expertise across life insurance, business-owner strategies, long-term care, disability, and annuities

  • A people-first approach that combines technical know-how with empathy and trust

With Cross-Practice, you don’t just get insurance—you get a partner invested in your peace of mind, today and for the years ahead.

Very few firms in the insurance and financial services space bring this complete set of credentials under one roof.

But credentials alone aren’t enough. What matters most is how we use them: to listen, to understand your goals and worries, and to design strategies that give you peace of mind. 

Why Trust Cross Practice? Credentials That Set Us Apart

When it comes to protecting your family, your business, and your financial future, you want more than just productsyou want guidance from professionals who care about your goals and have the credentials to back it up.

Cross Practice brings together:

  • Over 15 years of experience in life insurance and financial services

  • Licensed professionals with Series 65, 63, 7, and 24 credentials

  • Expertise across life insurance, business-owner strategies, long-term care, disability, and annuities

  • A people-first approach that combines technical know-how with empathy and trust

With Cross Practice, you don’t just get insurance—you get a partner invested in your peace of mind, today and for the years ahead.

Very few firms in the insurance and financial services space bring this complete set of credentials under one roof.

But credentials alone aren’t enough. What matters most is how we use them: to listen, to understand your goals and worries, and to design strategies that give you peace of mind.