The Right Coverage
At Every Stage of Life.
Not every situation calls for an IUL. Sometimes you need targeted, affordable protection for a specific moment in time. We pair you with the right tool, not the most expensive one.
Find My Right CoverageTerm insurance is pure protection, the highest death benefit for the lowest premium. Some families are in a specific season: raising kids, paying off a mortgage, building a business. For them, term is often the first layer of the Waterfall Wealth Creation Strategy™ before moving to permanent coverage.
Six Coverage Situations We Solve Every Day
Mortgage Protection
Your family keeps the house; no matter what.
If you pass unexpectedly, your mortgage doesn't disappear, but your income does. A term policy sized to your mortgage balance ensures your family never has to choose between grief and housing.
- ✓Coverage matched to your mortgage balance & term
- ✓Benefit pays directly to family (they decide how to use it)
- ✓Cheaper than most homeowner add-ons
- ✓Can be converted to permanent coverage later
Income Replacement
Replace 10–15x your annual income.
What happens to your family's lifestyle if your paycheck disappears? The standard recommendation is 10–15x your income in death benefit. Term insurance is the most affordable way to reach that number.
- ✓Designed to replace 10–15 years of income
- ✓Lump-sum payout or structured payments
- ✓Covers childcare, education, living expenses
- ✓Available for both primary and secondary earners
High-Risk Short-Term
For the job, the season, or the moment.
Some situations call for fast, affordable coverage; dangerous work, pending other applications, or gaps between jobs. We find specialized carriers who say yes when others say no.
- ✓Available for high-risk occupations (truckers, construction, etc.)
- ✓Short-term bridge policies (1–5 years)
- ✓Guaranteed Issue options for hard-to-insure people
- ✓Fast approval; often same day
Accident & Critical Illness
Covers what health insurance won't.
Accident policies pay a cash benefit directly to you, regardless of your health insurance. Critical illness coverage pays a lump sum upon diagnosis of cancer, heart attack, or stroke.
- ✓Cancer, heart attack, stroke coverage
- ✓Pays cash benefit directly to you
- ✓No restrictions on how the money is used
- ✓Affordable add-on to any existing policy
Child & Family Protection
Lock in their insurability for life.
You can add a child rider to your policy, or start a standalone policy for your child. It is one of the greatest financial gifts you can give. They'll carry that insurability; and low premium; for their entire life.
- ✓Coverage from birth through adulthood
- ✓Locks in low rates before health issues develop
- ✓Convertible to a permanent policy at adulthood, with no new medical exam
- ✓Term itself builds no cash value; the conversion right is what carries the value
Business Owner Coverage
Protect your business like you protect your family.
A key-person policy keeps your business alive if you or a critical partner passes. Buy-sell agreements funded by life insurance ensure ownership transfers cleanly. They do it without destroying company value.
- ✓Key-Person Insurance (protects the business)
- ✓Buy-Sell Agreement funding
- ✓Business loan collateral coverage
- ✓Executive benefit packages for retention
Not Sure Which Coverage You Need?
In a 30-minute consultation we will look at your specific situation and recommend the right type of coverage; whether that's term, final expense, IUL, or a combination of all three. No jargon. Just clarity.
Term Buys You Time.
Now Find the Leaks.
Term protects the years while you build. But plenty of families are well covered and still feel one emergency away. Protection is one of five things that matter, and most people were never shown the other four. The Leaky Bucket is Chaka's short book about that. It names no product and asks for no email. It ends with twenty questions you score yourself.
Free · No Cost RequiredWhat a term policy does not do
Term is the most straightforward product we offer. These are the limits it still carries.
The first two years are differentFor about the first two years, the company can still check your application against a claim.
Life insurance policies have a contestability period, usually the first two years after the policy starts. During that window the company can review your application if a claim is filed. If an answer was wrong about something that mattered to whether they would cover you, they can reduce the payout or deny it. After that window they generally cannot, except for fraud, and only where state law allows. This is the reason to answer every health and lifestyle question completely, even the ones that feel small.
Guaranteed issue pays differently at firstOn a no-questions policy, the full death benefit usually does not apply for the first two years.
Guaranteed issue means the company will not turn you down for health reasons. It does not mean the full benefit is payable immediately. These policies almost always carry a graded death benefit. Say death is from natural causes during roughly the first two years. The company then returns about 110% of the premiums paid, rather than paying the face amount. Accidental death is usually covered in full from day one. This is the trade for not answering health questions. It is also the most important thing to understand before you choose guaranteed issue over a policy that asks a few questions and costs less.
You can hand it backAfter the policy arrives you have a set number of days to return it for a full refund.
Every policy comes with a free look period, also called the right to examine. It starts when the policy is delivered to you and runs between ten and thirty days depending on your state, and on whether the policy is replacing another one. If you return it inside that window you get your money back and the policy is treated as though it never existed. No reason is required and nobody has to approve it.
Who stands behind the guaranteeAll guarantees depend on the claims-paying ability of the insurance company that issues the policy.
Every guarantee in a life insurance policy, including the floor, the death benefit and any guaranteed values, is backed by the insurance company that issued it and by nothing else. It is not insured by the FDIC, not guaranteed by a bank, and not guaranteed by any government agency. This is why the financial strength of the carrier matters and why we look at it before we look at the illustration.
That is not everything a policy does and does not do. The complete list is here, in plain English.