# Families & Children | Lighthouse Legacy Strategies

> Protecting the people who depend on you starts with planning for the unexpected.

Canonical page: https://lighthouselegacystrategies.com/families-children

Who I work with

# Protect your family through life’s changes.

Your family’s needs change as your children grow. Start with the people who depend on you, the responsibilities you carry, and the protection you already have.

## Explore your options

### Life insurance

Explore life insurance options for the people who depend on you.

### Planning for final expenses

Review protection strategies for final expenses and family responsibilities.

## Start with what matters to you

We will begin with your priorities, review the options available to you, and discuss the questions you want answered.

## Four steps, no application in the first one

### A short conversation

Income, obligations, timeline and what you are actually worried about. No product is mentioned and nothing is sold. Usually 20 to 30 minutes by phone or video.

### A look at what you own

Group coverage, old policies, pension paperwork, retirement accounts. I map what each piece is doing today and where the gaps are, and you get that in writing.

### Options, side by side

Two or three routes with the trade-offs written down: guarantees, access to the money, cost, and the scenario where each one underperforms.

### Application and underwriting

I handle the application, the carrier questions and the beneficiary designations end to end, and you have my direct number the whole way through.

### Annual review

Jobs change, families change, rules change. I review every policy I place each year so it keeps doing the job you bought it for.

## A conversation about your next step

Bring your questions and any existing policies you would like to discuss.

Who else I work with

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Lighthouse Legacy Strategies, the independent insurance practice of Sharon Donovan, a licensed life insurance and annuity agent in Arkansas, Missouri and Texas, based in Little Rock, Arkansas. Retirement income planning, annuities, life insurance and IUL with living benefits, final expense and mortgage protection.

Sharon Donovan (501) 516-9456 (call or text), sharon.donovan@wealthwave.com. By appointment, including evenings. Most consultations happen by phone or video.

Important disclosures: Lighthouse Legacy Strategies is an independent insurance practice. Sharon Donovan is a licensed insurance agent (NPN 18170848) in Arkansas, Missouri and Texas. This website is for educational purposes only and is not financial, tax, legal or investment advice. Guarantees are backed by the claims-paying ability of the issuing insurance company. Policy loans and withdrawals reduce cash value and death benefits. Not affiliated with any government agency. Full set: https://lighthouselegacystrategies.com/disclosures

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