Right Place
If you want the right life insurance for yourself, your family and your business, you’re in the right place.
Not long after I was married and we had our first child, my father told me we needed life insurance. Take Dad’s advice—You need life insurance!
Ostensibly—of life, health, property and casualty—the most important insurance you can have is life insurance. Life insurance is not generally mandated by law, but if you or your loved ones were to find yourselves without it following the loss of the major breadwinner in your family, you would be in dire straits. However, less than one of every three people in the United States today have individual life insurance.
But buying life insurance is like buying a pair of shoes or a suit. One size does not fit all! Tailoring is everything! We only work with the best independent marketing organizations, general agents and A.M. Best-rated insurance carriers in the industry. We’ll put you in the right policy from the right carrier for the right price!
You need an independent insurance broker who can help you find the right policy from the right company rather than a captive agent who can only sell you products from one carrier—the one he works for. As an independent, I work for you!
Life insurance is about love for your family. The love you have for your family is more important than anything else in the world. Can you say you love them without life insurance?
For many people, the most practical form of life insurance is term insurance, especially when you’re young and healthy, since it’s more affordable than whole life insurance. But if you’re an investor or own a business, whole life or policies with whole life components may be just what you need due to the cash value and policy loan possibilities whole life affords. Term is like renting the policy. Whole life is like owning the policy.
How
One of the most daunting aspects of life insurance is procurement. Many people feel uncomfortable inviting people into their home or going to someone’s office. The nice thing about insurance today is that face-to-face interaction is less necessary. Most term, universal, whole life and simplified final expense insurance can be placed remotely with broker assistance.
First, we complete a health prescreen. Your health situation provides the information necessary to determine the most appropriate rate and coverage terms offered by dozens of top-rated life insurance carriers with which we have relationships. Only then will we guide you through the application process, minimizing the risk of your being declined and maximizing the likelihood of your approval.
Term Life Insurance Carriers
American Amicable, AIG, Ameritas, Assurity Life, Baltimore Life, Banner Life, Columbian Life, Foresters Life, John Hancock, Life of the Southwest, Lincoln Financial, National Life Group, North American, Prosperity, Protective Life, Prudential Financial, Royal Neighbors, Securian, Transamerica, United Home Life, United of Omaha
Guaranteed Universal Life Insurance Carriers
AIG, American National, Nationwide, North American, Protective Life, Prudential Financial
Indexed Universal Life Insurance Carriers
AIG, American National, Allianz, Ameritas, Fidelity & Guaranty, John Hancock, Lincoln Financial, LSW/NLG, Nationwide, North American, Protective Life, Prudential Financial, Sagicor, Securian, Transamerica, United of Omaha
Universal Life Insurance Carriers
American Amicable, Assurity, Foresters, John Hancock, United of Omaha
Whole Life Insurance Carriers
American National, American Amicable, Americo, Assurity Life, Baltimore Life, Foresters, Gerber, Liberty Bankers Life, Life of the SouthWest (LSW)/National Life Group (NLG), Nationwide, Royal Neighbors, Sagicor, Transamerica, United Home Life, United of Omaha CWL
Final Expense Whole Life Insurance Carriers—Guaranteed Issue
American General, Americo, Gerber Life, Great Western
Final Expense Whole Life Insurance Carriers—Simplified Issue
Aetna, Aflac, American Amicable, American Continental Insurance, Americo, Assurant/Memorial Planning, Balitmore Life, Cigna, Columbian Life, CVS Health — Accendo Insurance Co., Foresters, Great Western, Guarantee Trust Life (GTL), Liberty Bankers Life, Lumico, National Guardian Life, Occidental Life, Oxford Life, Pioneer American, Prosperity, Royal Neighbors, Transamerica, United Home Life, United of Omaha: Living Promise, Unity Financial
Fixed Indexd Annuities
During the first quarter of 2024, fixed indexed annuities sales in the United States totaled $29.3 billion, which was 27 percent higher than the first quarter of 2023. This product can protect your principal while providing very competitive crediting rates.
Annuity Life Insurance Carriers
Allianz Preferred; American Equity; American General; American Life and Security Corp; American National; Americo Financial Life and; Annuity Insurance Company; Athene; Atlantic Coast; Clear Spring; EquiTrust Life; Fidelity & Guaranty; GILICO; Global Atlantic; Ibexis; Integrity; Legacy Marketing Group—Ameritas, Americo Financial Life and Annuity Insurance Company, Integrity Life Insurance Company; Life of the Southwest (LSW); Lincoln National; Mass Mutual Ascend; Nassau Life and Annuity; National Western; North American; Oceanview; Oxford Life; Reliance Standard; Royal Neighbors; Sagicor; SILAC; United of Omaha
