Ablaze Financial Consulting LLC · Dumfries, Virginia
Insurance is simpler once
someone explains it properly.
I’m Margaret Yiadom. I help families, business owners and people approaching retirement work out what they actually need from life insurance, health coverage and annuities — starting with the question rather than the product.
- Independent agent
- Not tied to one carrier, so the comparison is a real one.
- Life, health, annuities
- The three decisions most households actually face.
- Northern Virginia
- In person locally, remotely where licensing allows.
Why this is worth an hour of your time
Most people buy insurance the way they renew a utility — once, under time pressure, from whoever asked first. Then it sits untouched for a decade while the mortgage, the children and the job all change around it.
Almost everything that goes wrong afterwards traces back to that. A policy sized before a house was bought. A beneficiary never updated after a divorce. Term cover that quietly expired at sixty-five. An annuity signed without anyone reading out the surrender period. None of these are exotic failures — they are the ordinary result of nobody sitting down and going through it.
That is the work. I go through what you already have, what you actually owe and who depends on you, and we find the gap before talking about any product. Sometimes the answer is that you are adequately covered and should keep your money.