About Fortunium Insurance

 The name Fortunium reflects the idea of building with intention—laying solid foundations and preparing for the unknown. Our approach is centered on education and thoughtful planning. 

Fortunium is a financial protection firm committed to helping individuals, families, and business owners protect what matters most. Through life insurance, disability insurance, and long-term care insurance, we provide guidance and support for people who want to prepare for life’s uncertainties with clarity and purpose.

At the heart of Fortunium Insurance is Joel Marius, an experienced and knowledgeable advisor who has spent years helping clients navigate important coverage decisions. His approach is rooted in education, integrity, and personalized service. Joel believes that insurance isn’t about selling—it’s about understanding people’s lives and giving them tools to protect what they’ve worked hard to build.

Unexpected events can disrupt even the most carefully built plans. Without proper coverage, a single illness, injury, or loss can create long-term financial strain.

• Life Insurance provides essential protection for families and businesses in the event of death. Whether through term life or permanent life insurance, it can help cover income replacement, debt, final expenses, or fund a legacy.
   
• Disability Insurance protects your ability to earn an income if an illness or injury prevents you from working. For many, income is their greatest asset—disability insurance helps ensure that bills, mortgage payments, and family responsibilities can still be met during recovery.
   
• Long-Term Care Insurance helps manage the rising cost of care as you age. It can provide financial support for services like home care, assisted living, or nursing home care—reducing the burden on family members and protecting your savings.

Insurance doesn’t have to be expensive or complicated. Fortunium offers access to a wide range of top-rated insurance carriers, allowing us to match clients with high-quality, competitively priced products. We work with low-cost term insurance, cash-value permanent policies, and flexible disability and long-term care options tailored to different budgets and goals.

Whether you’re early in your career, growing your family, planning for retirement, or protecting a business, we help you explore practical, affordable coverage based on your unique situation.