Find the life insurance carrier that fits your situation best.

We work with top A+ rated carriers and find the one that makes the most sense for you, based on your age, health, and habits. Fill out the form, or call or text, to see what you'd qualify for in your state.

Request a free quote

Takes about a minute. I'll reach out personally.

Do you use tobacco or nicotine?
Any history of heart attack, stroke, or cancer?

Every carrier looks at you a little differently.

One company might charge more because you take blood pressure medication. Another might not mind it at all. Since I can quote with several carriers, I can match you with the one that treats your situation best.

Age
Rates are set by your age when you apply, so locking in sooner usually costs less.
Health
Conditions, medications, and your height and weight. Each carrier has its own rules for these.
Habits
Mostly tobacco and nicotine. Some carriers also ask about your driving record or risky hobbies.

What you can cover

Not sure which one fits? Pick "Not sure yet" on the form and we'll figure it out together.

Final expenses

A smaller whole life policy meant to pay for a funeral and the bills left behind, so your family isn't stuck covering them.

How long it lasts
Your whole life
Monthly price
Locked in, never goes up
Medical exam
Usually none, just health questions

A good fit if

  • You're older and want something simple that's approved quickly
  • You don't want your kids paying for your funeral
  • You were turned down for other coverage because of your health
Get a final expense quote

Permanent life insurance

Coverage that lasts as long as you live, at a price that stays the same. Part of what you pay builds cash value you can borrow against later.

How long it lasts
Your whole life
Monthly price
Locked in, never goes up
Cash value
Grows over time, and you can borrow from it

A good fit if

  • You want to leave money to your family no matter when you pass
  • You like the idea of savings building up inside the policy
Get a permanent life quote

Temporary life insurance

Also called term life. It covers you for a set number of years, and it's the most coverage you can get for the money.

How long it lasts
Usually 10 to 30 years
Monthly price
Locked in for the length of the term
Cash value
None, which is why it costs less

A good fit if

  • You have kids at home who depend on your income
  • You want a large amount of coverage on a tight budget
  • You need coverage until a loan is paid off or the kids are grown
Get a term life quote

Your mortgage or your equity

Coverage sized to pay off your home if you pass away, so your family can stay in it. Some plans also pay out if you're diagnosed with a serious illness.

How long it lasts
Usually matches what's left on your mortgage
Monthly price
Locked in for the length of the plan
Who gets paid
Your family, who can use it on the house or anything else

A good fit if

  • Your family couldn't cover the payment without your income
  • You've built equity and want to protect it
Get a mortgage protection quote

How I work

You fill out the form or text me. I'll call to ask a few questions about your health and what you want the coverage to do. Then I'll compare carriers and walk you through the prices in plain English.

If none of it makes sense for you right now, no hard feelings. You won't get a string of follow-up calls from me.

Dave Wilson
Dave Wilson, Licensed Life Insurance Producer