Life insurance is a contract between an individual and an insurance company, where the individual pays regular premiums in exchange for a lump-sum payment, called a death benefit, to the designated beneficiaries upon the insured’s death. This financial product serves as an income replacement to help beneficiaries cover costs like living expenses, debts, and funeral costs. There are several types of life insurance, including term life, whole life, and universal life, each with unique features, costs, and durations.


Life insurance provides financial security to the insured’s dependents upon their death, covering expenses like debt repayment, funeral costs, and living expenses, thereby ensuring the family’s financial stability.

Income Replacement, Debt Repayment, Funeral Costs, Estate Planning, Children’s Future, Charitable Contributions, Business Continuation, and Accumulation of Cash Value are just some of the objectives that can be met through thoughtful use of life insurance.


why so confusing?

Life insurance can be confusing due to its various types each with different features, costs, and durations. Terms and conditions can be complex, involving aspects like premium calculations, death benefits, cash values, and exclusions. Moreover, determining the right coverage amount and policy type based on one’s financial situation and goals adds to the complexity.


how we can help

Financial guidance is crucial when selecting life insurance because it helps you navigate the complexities of different policies, align the product with your financial goals and personal situation, understand policy terms, conditions and potential tax implications, and ensure you’re not under or over-insured. A financial advisor can provide a clear, personalized strategy for choosing the best life insurance product for you.


your task: define your objective

With every financial contract, the #1 thing to consider is to accurately define the objective. It’s the vital first step, because it is easy to be distracted by advertisements and negativity.

We talk, to help you refine your objective to identify an annuity to fit your needs. We will answer every question until you are satisfied that an annuity fits your situation. If it does not suit you, if you do not understand them, we will not recommend them to you.

our task: explain the Many Choices

Life Insurance comes in many different shapes and sizes.

Final expense, Whole Life, Universal Life, Hybrid: You will have questions, and rightfully so. We will have the answers and we will be certain that you are comfortable with the function and the price of life insurance, to make sure that it fits your specific situation.


explainer videos


Annuities can be intimidating and there is a great deal of misinformation. 

You can contact us directly by filling out the form, and one of our team will reach out to you, your information will not be sold or shared with anyone, that’s our guarantee.

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ABOUT jae oh, cfp

Jae W. Oh, MBA, CFP®, CLU® ChFC® is the Managing Principal of GH2 Benefits, LLC. He is a Certified Financial Planner, Chartered Life Underwriter, a Chartered Finanncial Consultant, and a licensed insurance producer in multiple states.

Mr. Oh is an Education Fellow at the Alliance For Lifetime Income (

He is the author of Maximize Your Medicare (Allworth Press). nationally-recognized Medicare expert, frequently quoted in the national media, including,, Fox Radio News contributor and lead contributor to

Mr. Oh has been a speaker in front of disability attorneys on multiple occasions, including the State Bar of Michigan.

Annuities are a viable solution as part of a comprehensive financial plan. I have take the time to clearly and accurately annuities to people nationwide, and will do so for you.