Individuals
Life Insurance
Term, whole, universal, indexed universal life, final expense, and guaranteed-issue options for the people who depend on you.
What’s typically on the table
- Whole / Universal / Term***
- Indexed Universal Life (IUL)***
- Final expense plans
- Guaranteed issue plans
- Accidental death plans
***Some states have mandated living-benefits plans.
Term covers a defined window — mortgage years, children at home. Permanent policies (whole, universal, IUL) are a different conversation about cash value and lifetime protection.
Final expense and guaranteed-issue plans exist for people who need a simpler, smaller policy. We will not push a product family you do not need.
Carriers we discuss here
Ameritas
Life, dental & vision
Manhattan Life
Life, health, Medigap & ancillary
New Era
Medigap, final expense, hospital indemnity
Assurity
Life, disability, critical illness
Mutual of Omaha
Life, Medigap, long-term care
Foresters Financial
Life & member benefits
Transamerica
Life, retirement & investments