Home ofLife insurance estimates, on your schedule.
Answer a few questions on your own time. We’ll use them to narrow down the right coverage and show you realistic starting numbers.
What an online quote tool should have been
You work directly with Michael or a team member, by text. You are borrowing our insurance license — we check everything, and we pick the coverage.
Nobody wants to deal with life insurance. Everybody wants their family protected. Between the misleading ads, the waiting periods nobody mentions, the pushy agents and coverage that does not do what it sounds like, most families kick the can down the road, settle for something bad, or buy whatever sounded best. We have watched it happen for years.
So here is ours. We will not chase you. Your information is never sold, never given to a lead broker, never handed to a call centre — we do not buy leads and we do not sell them. Work through this at your own pace. We are a text away if you want us, and silent if you do not.
Different carriers can look at the same person very differently. We compare their actual guidelines so the recommendation is based on how your situation fits—not which company advertises the loudest.
One clear recommendation: which carrier we would approach first, what tradeoffs to expect, and why that route fits better than the alternatives.
We use the same kind of health details a carrier will eventually ask about—diagnoses, medications, treatment history, tobacco use, and prior applications.
An accurate picture up front helps avoid false expectations, wasted applications, and surprises after someone has already started the process.
If the right answer is less coverage, a different structure, or a different carrier, we will say that plainly—even when it is not the biggest number on paper.
You see the reasoning before you apply. The goal is coverage you can qualify for, understand, and keep—not a promise designed to get a form submitted.
We only shop the country’s
A-rated carriers.
Every carrier we place business with holds an A− or better financial strength rating from AM Best. That rating measures exactly one thing: whether the company can still pay a claim thirty years from now. A cheap policy from a carrier that isn’t around when your family needs it is worth nothing at all — and we will not put you in one to win on price.
Representative carrier partners. Availability depends on your state, health, age, and coverage needs.
A website can display prices. It cannot know which company will treat your health history fairly, or whether the cheapest option is actually a good policy. That is where our team comes in.
The goal is the right carrier, the right product, and the right amount—not simply the first price on a screen.
Answer the questions at your own pace and see the purpose of each step before you decide whether to send your analysis for review.
Your individual health selections remain in your browser while you work; you decide when the completed summary is ready to share.
We match the details you provide against carrier rules and available product types, then identify the most realistic route before any application is submitted.
A written recommendation that explains the coverage direction, the carrier fit, and the tradeoffs that come with the recommendation.
You review the carrier application before it is submitted, including the coverage, pricing, and the information the carrier will use to make its decision.
The carrier’s six-digit signature code goes only to your phone. You can ask questions, make changes, or stop the process at any point before signing.
Start your life insurance quote.Answer a few questions about who you are, what you want to protect, and the health details insurers use. We’ll use that to build your coverage recommendation and rate estimate.
A few basic details, then we start. I ask up front for two straightforward reasons, and I would rather say them than have you wonder.
If someone on our team pointed you to this, tell me who. It makes sure you stay with the person you were already talking to.
First and last, as it appears on your ID.
I need both a first and a last name — carriers match the application to your ID.
Must be a phone you hold — carrier signature codes get texted to it later.
That doesn’t look like a mobile you can receive a text on. A landline or an office number will not work for the signature step.
Where we can send the written result if you would rather not handle it by phone.
Enter a complete email address, such as name@example.com.
Insurance availability and licensing are based on your home state.
Choose what appears on the government-issued ID you would use for an application.
If yes, the next screen will show a few service questions. If no, we ask nothing else about military service.
No spam, no lead brokers, no call centre. If you would rather not be contacted at all, say so at any point and that is the end of it.
Complete the basic contact, state and service questions, then tick the box.
This determines which carriers can consider you and what underwriting path you're on.
Includes vaping, patches, gum, and cigars. Carriers test for it. Answer honestly here so the plan is real.
Carriers price a cigar a month very differently from a pack a day. Worth thirty seconds.
Rough self-assessment only. Carriers make the real call.
Month and year is enough. Some conversion windows close on a date rather than a band, and I would rather tell you exactly where you stand than roughly.
It ends when you do, and what replaces it is the decision worth getting right.
Check everything that contributes. Carriers do not underwrite your rating percentage — they underwrite the specific conditions behind it, and several of these have no effect at all.
Answer everything above to continue.
Pick the one thing that matters most. Adding up every possible expense produces a number nobody can afford, and a policy you cancel in year two protects no one.
On the note.
Principal, interest, taxes and insurance — the whole thing.
This is the question that decides everything. Answer it the way they'd actually answer it, not the way you'd want them to.
Market value minus what's owed. A rough figure is fine.
Your balance falls every month you pay it. Coverage sized to the balance at the end of that window costs meaningfully less than coverage sized to today's balance.
A spouse's salary, a pension, rental income. Leave blank if there is none.
Very few households need every dollar restored. Expenses fall too.
If there are children at home, the honest answer to “how many years” is usually “until the youngest is grown” — so tell me their age and I will set it for you.
Until the youngest is grown, or a spouse can draw retirement. Not forever — forever isn't affordable and usually isn't needed.
National median for a burial with viewing runs about $8,000–$10,000 before the plot. Cremation runs roughly $6,000–$7,000.
Final bills, deductibles, and the paperwork nobody budgets for.
So nobody's making decisions in the first month based on money.
Comes straight off the total below.
A round number is fine. This one is entirely your call — there's no formula for it.
A charity or a trust is named differently from a person, and getting that wrong is the most common reason a benefit ends up in probate.
The loan balance, the buy-sell valuation, or the total support owed.
Every line you add raises the premium. Add only what you'd genuinely be unwilling to go without.
Count group coverage at work, but know it usually ends when the job does.
Not retirement.
Coverage you own follows you. Coverage through an employer generally does not, and it is the single most common reason someone believes they are covered when they are not.
Choose what this is for, and answer the questions that appear.
Check anything that has ever applied, then tell us roughly when. Applications for term and permanent coverage ask it exactly this way — with no time limit — so answering it here is what lets us route you correctly. Nothing on this list is automatically disqualifying.
If you were declined, rated up, postponed, or offered less than you asked for, that record follows you. It matters a lot.
This is the single most useful thing on the page. The next application has to go somewhere chosen specifically because of it, and what happened last time decides where.
You have checked something without saying when. Until you do, we have to assume it was recent — which may point you at a more limited product than you actually qualify for. It is worth a tap.
Answer the application question to continue.
You're not picking a policy off a menu — that's my job, and it's the part people get wrong on their own. Tell me what matters most and what you can commit to, and I'll bring back the best thing available to someone in your situation.
No policy gives you the biggest payout, the lowest premium, and coverage that never expires. Every real one trades away one of those.
Answer for a bad month, not a good one. A policy you cancel in year two protects nobody, and lapse is the most common way this goes wrong.
Not a quote and not a menu — just so nothing later is a surprise.
Answer both questions to continue.
What I'd bring you
This is what I'd put in front of someone who told me what you just told me. The final call is mine to make once I've seen your file — and I'll explain it either way.
Everything above tells me what you need and roughly what shape it should take. What it can't tell me is which carrier will say yes to you, at what rate class, and whether you qualify for day-one coverage — and that is the difference between the right policy and the one you'd have bought alone. So finish the file below, and I'll do the shopping.
You will not be filling out an application. Once I've picked the carrier I build it for you and send it over to read. The carrier then texts a six-digit code to your phone — entering it is your signature. Nothing is submitted until you've seen exactly what it says, and for most people this happens without a single phone call.
Confirm the few details a carrier uses for pricing, then see the estimate here without leaving your analysis.
Your recommended coverage is already filled in. Check the remaining details below and the rate service will return estimates without taking you away from this page.
You can stop here and let a licensed agent review what you entered, or continue and complete the information needed to prepare a carrier application later. Nothing is submitted to a carrier and nothing is charged.
You’re all set for now. Your answers and estimate are on your lead. A licensed agent can review them and follow up using the contact permission you gave at the start.
Rather not look at numbers first?
The parts that don't make it into the commercials. Read the ones that apply to you.
That low price you saw online elsewhere? It may assume “Preferred Plus”—the best health class, with strict requirements for tobacco use, height, weight, medical history, and more. An attractive advertised rate doesn’t mean you qualify for it.
Here, your estimates are based on the information you provide and reviewed by me, a licensed life insurance agent. Accurate, complete answers help us find coverage and pricing that fit your situation. Final rates depend on the carrier’s approval.
Give me five minutes to confirm the details so I can help you find the best available coverage for your health, needs, and budget.
Accelerated underwriting skips the paramed visit. It does not skip the investigation. Carriers pull your prescription history, your MIB file (a shared industry database of prior applications), your motor vehicle record, and increasingly a credit-based mortality score.
They will know about the medication you were prescribed three years ago. The exam is what's optional; the scrutiny isn't.
A declined application becomes a record other carriers can see. Applying to the wrong carrier first can make the right one harder to get. This is the single most expensive DIY mistake in this business.
For two years from the issue date, the carrier can investigate a claim and rescind the policy for material misrepresentation on the application. After two years, in most states, they generally cannot contest on those grounds except for outright fraud.
This is why shading an answer about tobacco or leaving off a condition isn't a shortcut. It's a policy that pays nothing at the exact moment your family needs it, and the premiums come back instead of the death benefit.
There's also a separate suicide exclusion, typically two years, that applies regardless of what was disclosed.
Day one means the full death benefit pays from the first premium forward. Graded or modified means that if death occurs in roughly the first two years from natural causes, the policy returns your premiums plus a percentage — not the face amount. Accidental death is usually still covered in full.
Two people with the same condition, paying nearly the same monthly premium, can end up on opposite sides of that line depending entirely on which carrier they applied to and how long ago the diagnosis was.
Getting day one when you qualify for it is not about finding a cheaper policy. It's about knowing which carrier's underwriting grid treats your specific condition and timeframe as acceptable. That's the work.
Term is generally cheaper because it covers a limited period and typically builds no cash value. It can be a strong choice for replacing income, protecting a mortgage, or covering your family while the kids grow up.
But temporary coverage alone isn’t a lifetime funeral plan. If your coverage ends before you die, there’s no death benefit. Getting new coverage later can cost much more—and changes in your health may limit your options.
If an agent recommends a 20-year term for final expenses, ask: “What’s the plan if I’m still alive in 21 years?”
The right coverage should match the need—not just the lowest price.
The illustration is not a projection and the illustrated rate is not a return. It's a hypothetical run at an assumed rate, and it is the most oversold document in this industry.
Index credits are subject to caps, participation rates, and spreads, and the carrier can change those after the policy is issued. Meanwhile the cost of insurance rises every year with your age and is deducted from cash value. When credits underperform the assumption, that drag compounds against you.
An IUL funded at the minimum premium and illustrated at an optimistic rate can run out of cash value in your seventies and lapse — taking the death benefit with it, after decades of payments.
IUL is a real product that does real work when it's properly funded and you understand you're buying permanent coverage with an accumulation feature. It is not an investment with a death benefit attached, and anyone selling it that way should worry you.
Guaranteed premium, guaranteed death benefit, guaranteed cash value floor. You pay more per dollar of coverage and you get certainty in exchange. Dividends, where a carrier pays them, are not guaranteed.
It's the right product for someone who wants a policy that cannot move on them and who will actually keep it. It's the wrong product for someone who needs a large face amount on a tight budget right now — that person needs term, and there's no shame in it.
Most group life ends when the job does. Conversion rights exist but are usually limited and priced well above what you'd pay on your own while healthy.
Group coverage is also typically one to two times salary, which is rarely close to the number this worksheet just produced. Count it, but don't build the plan on it.
They are real policies, and they are the most expensive coverage sold. In exchange for asking nothing, they typically pay nothing for the first two to three years other than a refund of premiums, and cap the amount low.
The reason they advertise so heavily is that most people never find out what they could have had instead. Health history that sounds disqualifying often is not \u2014 carriers grade the same condition completely differently, and day-one coverage is available far more often than people assume. Before accepting anything with a waiting period, it is worth having someone actually check.
Everything I need to shop your coverage properly. Fill this in once and the rest of it is a handful of texts.
As it appears on your driver's license.
Carriers use it to justify the face amount.
Not every carrier writes non-citizens, and the ones that do differ on how long you need to have been here. Knowing this now saves an application that was never going to be approved.
Not asked in this section: your Social Security number, driver's license number, and bank details. If you would rather hand those over on the signature call instead, you can — skip the shaded section further down and nothing is lost. If you do fill it in there, it is encrypted before it is stored and I have explained exactly what happens to it at that point.
Full name and relationship to you.
Who it pays if the primary is gone. Optional, strongly recommended.
Someone other than the insured can only own or pay for a policy where there is a genuine insurable interest. It is straightforward to document — but it has to be documented, and the carrier will ask.
Text is how most of this gets done, including your signature code.
Your signature code gets texted to it by the carrier, so it has to be a phone you hold. If it's a landline or someone else's phone, tell me now and we'll do it differently.
The code has to be entered by you. If the phone belongs to someone else we can plan around it — but only if I know before the carrier sends it.
Not a trick question. Applications get postponed and rate locks get lost because a code sat unread for a week.
No judgement — most people are honest about this and it is the reason their application goes through cleanly.
Line it up with when you get paid.
Carriers differ on which of these they can actually honour. If yours cannot, I will tell you before anything is set up rather than after.
This is the one thing I need you to commit to. When the carrier sends your six-digit code, entering it takes about a minute — but if it sits unread the application can be postponed and the rate you were quoted can be lost. Pick a time you know you will be free, not the time you wish you were.
Days
Time
Would rather have an actual conversation instead? Book a time and I will call you — though most people find they never need to.
No money leaves your account unless and until both of these have happened: you and I have agreed on a specific policy, and you have personally signed the carrier's own payment authorization using a code sent to your phone. Until then this information sits encrypted and unused. You can stop at any point and nothing will have moved.
Why I need this before I shop rather than after: carriers differ. Some will not open a file or return a real decision until the full application is complete, payment details included. Others will. Rather than guess which one you will end up at and come back to you twice, I collect it once so that whichever carrier turns out to be right for you, nothing holds your file up.
Two things are unavoidable, and I would rather explain them than surprise you. The carrier needs your Social Security number to verify identity and pull underwriting data — without it the file cannot open, and nothing can be quoted or approved. And since 2020 the carriers have moved almost entirely to bank draft: no debit cards, no direct billing. Cards expire and get replaced after fraud, and every time that happens a policy lapses. People have lost coverage they paid into for years over a reissued card. Bank draft does not have that failure mode.
To be completely clear: entering an account below does not authorize a payment, schedule a payment, or start a policy. It is used to complete an application, and nothing more, until you have seen a specific plan and agreed to it.
Pick the date that lines up with when money actually arrives. Getting this wrong is the most common reason a good policy lapses in year one.
Social Security pays on the 2nd, 3rd or 4th Wednesday depending on this. Tap yours and I will match the draw to it.
Optional. Please don't put Social Security numbers, bank details, or medical records here.
This is the last form you fill out. It's what lets me match you to the carrier that grades your history best — instead of calling to ask it. Skip anything you don't know.
Add your legal name, a mobile number that can receive a text, and the window you will be available.
Nothing has been charged and nothing is scheduled. That's the hard part finished. From here it's my work, not yours — and inside 48 to 72 hours you'll have a straight answer by text instead of eleven more tabs open.
Your history goes against the underwriting guides for every carrier I'm appointed with — not to find the cheapest advertised rate, but to find which one grades your specific conditions and timeframes most favorably, and whether day-one coverage is on the table.
Nothing needed from youNot a list to compare. One recommendation: which carrier, why that one over the others, the rate class I expect, roughly what it should cost, and what the decision should come back as. If the right answer is to wait, or to keep what you already have, or to go somewhere I can\u2019t place you — that\u2019s what it will say. Either way you stop looking.
Nothing needed from youIf the recommendation makes sense, say so and I'll build the application. If it doesn't, tell me why and I'll go back and look again. Nothing moves without your say-so, and "no" is a complete answer.
One textI complete the carrier's application for you. The carrier texts a code to your phone — never mine — and entering it is your signature on both the application and the medical authorization. You'll have the full application to read before you do. Two minutes of your day.
One textAccelerated decisions often land in a few days. If the carrier orders medical records it can run several weeks, and that delay is normal rather than a bad sign. You'll hear from me at every status change, including the weeks where the only update is that there's no update.
I chase it, not youA rating, a graded benefit instead of day one, a smaller face amount — you hear what changed, why, and what your alternatives are at other carriers. You are never handed a counteroffer and left to assume it's the only option. That single moment is the whole reason to do this with a person.
Your decision, fully informedUp to this point nothing has been charged and no draft has been scheduled, regardless of what information you gave me earlier. Once you have agreed to a specific policy and signed for it, you pick the day your premium comes out and the day coverage starts — the 1st and the 3rd are the common ones for anyone on VA compensation or Social Security.
One textEvery state gives you a free look period after delivery, commonly 10 to 30 days, during which you can cancel for a full refund of premium, for any reason at all. Read what arrives. If it isn't what you were told, say so and get your money back.
Read it