Services
Coverage we quote — and how we decide when not to sell it.
Every engagement starts with a 20-minute call. If term is right, we ladder it. If permanent is right, we right-size it. If you don't need either, we'll say so.
Term life
10, 15, 20, 30-year level term and laddered structures. Best for income replacement and mortgage coverage.
Whole & IUL
Permanent coverage with cash value. Used selectively for estate liquidity and conservative tax-advantaged accumulation.
No-exam (accelerated)
Up to $3M without a blood draw for healthy applicants under 50. 24–72 hour issue.
Final expense
Simplified-issue whole life, $5k–$50k, for Texans 50–85. Guaranteed-acceptance options for declined applicants.
Veteran coverage
VGLI replacement and supplements. Combat ratings don't automatically affect civilian underwriting.
Policy review
Already have coverage? I'll pull the in-force ledger and tell you if it still earns its premium.
Get a no-pressure quote
Twenty minutes, real numbers, and a written recommendation. No hard sell.