Hi! This is Thomas Tong. For about a decade in the Financial industry, I have found that there are many pitfalls that arise during one's lifetime. Sometimes, if you are young enough, you will get back on your feet and start over financially without too much hardship. However, if you are a little older, and have built a nice nest egg for yourself, you want to be able to protect those assets from medical related events. My primary goal is to provide you and your family with coverage to protect against financial disaster; expenses you can't cover yourself. So, let's find the correct solution for your you and your family.