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Affordable Life Insurance

At, our specialty is life insurance underwriting.  Whether you have perfect health, a medical condition, need help with your personal, business or estate planning, we can help you get the life insurance you need at the best rates available.

We work for you, not the life insurance company.  Our no pressure, no obligation service matches you with the best life insurance companies, including the following and many more.

life insurance companies

Health Issues We Specialize In:

Follow this link to high risk life insurance.  We cover many health issues, including:

  • Cancer History
  • Heart Conditions
  • Endocrine Disorders
  • Gastrointestinal Issues
  • HIV Positive
  • Mental Health

Non-medical underwriting articles include:

  • Tobacco and Nicotine Products
  • Private Pilots
  • Scuba Divers

Our life insurance underwriting guide has additional information that is helpful.

Life Insurance to Meet Your Needs

Whatever type of life insurance you need, we have it available for you, including:

  • Term Life Insurance
  • Universal Life Insurance
  • Index Universal Life Insurance
  • Whole Life Insurance
  • Guaranteed Acceptance Life Insurance
  • No Exam Life Insurance

We also offer other types of coverage, such as:

  • Accidental Death Insurance
  • Contingent Coverage
  • Disability Insurance

You’ll find extensive information here about all the types of life insurance available.

Why Independent Life Insurance Agents Matter

The benefit of working with an independent life insurance agent is that we match you with the best life insurance companies based on your individual needs.  Compare that to captive agents who represent one company…who are they looking out for?


Whether you have perfect health, a medical condition, non-medical issue, risky occupation, or any other unique underwriting concern, we’ll get you to the best life insurance company.

Underwriting Expertise

Our life insurance underwriting process reviews your medical and non-medical risk factors to ensure that you get matched with the companies that will give you the best offer based on your history.

Price Comparisons

We’ll show you the best life insurance quotes for term life insurance, universal life insurance, whole life insurance and more. We’ll explain why these companies are the best for your situation.