If you're gone, the bills aren't.
Rent or the mortgage. The car. Groceries. School. Life insurance is money that shows up for your family in the weeks after, when nothing else does.
Independent life insurance
Life gets hard. We help you get ready.
We sit down with you, work out what your family would actually need if something happened, and find the coverage that does that. Whichever company does it best.
What it's for
Three things people don't know until they need to.
Some of it you can use while you're here.
Many policies now pay out early if you're diagnosed with something serious. That money can cover treatment, or time off work, or a mortgage payment while you're not earning.
Getting covered is easier than people think.
Depending on your age and health, a lot of people are approved the same day with no medical exam. The conversation usually takes about fifteen minutes.
How it works
Three steps, and you can stop at any of them.
1
We talk
Fifteen or twenty minutes on the phone. What you earn, who depends on it, what keeps you up. No paperwork yet.
2
We shop
We're independent, so we don't work for one company. We take what you told us to several carriers and come back with what each will actually offer you, side by side.
3
You decide
If the number doesn't work for your budget, say so and we'll look again. If none of it works, that's a fine answer too. We'd rather you be honest than polite.
How we work
The part most agencies won't put in writing.
- We won't call you fifteen times. One call, and we follow up the way you tell us to. If you want space, you get space.
- We won't quote you one price and hand you another. If underwriting comes back different from the quote, we tell you why before you sign anything.
- We won't sell you more than your budget can carry. A policy you cancel in eight months protects nobody. Small and kept beats big and dropped.
- We won't pretend we're the only agency you should talk to. Get a second quote. If someone beats us on the same coverage, take it.
Who we help
Most people come to us for one of four reasons.
- A young family. Term life, so one income can still cover a household.
- A mortgage. Coverage sized so the house stays in the family.
- A funeral nobody's saved for. Smaller final expense policies, easier to qualify for.
- A diagnosis in the family. Policies with living benefits you can draw on early.
- Americo
- Mutual of Omaha
- Foresters Financial
- Corebridge Financial
We're appointed with these carriers and shop your coverage across them. Availability and pricing depend on your state, age and health.
Talk to us
Tell us where you are and we'll call you.
No cost, no obligation, and nobody is going to read you a script. If it turns out you don't need us, we'll say so on that call.