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Help Protect Your Family with Life Insurance

Get $1,000,000 of Coverage for as low as $1 per day!

Get $250,000 of Term life Insurance Coverage for as low as $13 per month!

* Example assumes a 35 year old male buying a 10 year term life insurance policy, in the Preferred Plus Underwriting Class. Example assumes a 35 year old female buying a 10 year term life insurance policy, in the Preferred Plus Underwriting Class. Rates may vary for product in New York.

Experience the Future of same day coverage.

We take pride in providing a simpler, easier, way to get same day coverage for you and your loved ones. We provide online solutions for financial protection, Annuities, Life Insurance, Dental & Vision insurance as well as Medicare Supplement, Medicare Advantage and Medicare PDP plans. Our mission is to protect families and we intend to do just that with an honest and transparent process. Take a look at how it works

FROM THE PORTFOLIO

Our Products

Whole Life Insurance, Term life Insurance, Life, Annuity, Medicare Supplement, Medicare advantage, Medicare PDP, Dental / Vision, and Health Plans

Life Insurance
  • Whole Life – Is Life insurance that pays a benefit on the death of the insured and also accumulates a cash value. Compare with Term life.
    Whole life insurance, also known as traditional life insurance, provides permanent death benefit coverage for the life of the insured. In addition to paying a death benefit, whole life insurance also contains a savings component in which cash value may accumulate. Interest accrues at a fixed rate and on a tax-deferred basis. types of Whole Life insurance include: Traditional Whole Life, Universal life, Indexed Universal life, and Variable Universal Life are others
  • Term Life – Term life insurance, also known as pure life insurance, is a type of death benefit that pays the heirs of the policyholder throughout a specified period of time. Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the term life insurance policy to  permanent coverage, or allow the term life insurance policy to lapse. Types of Term life Insurance Includes: annual renewable term, 5, 10, 15, 20, and 30 year term, Return of Premium (ROP) Term. term insurance is used most often for mortgage protection and to cover risk for set periods of time because term insurance cost less then whole life.
Annuity Roth, IRA, Non Qualified

An annuity is a retirement financial tool. Unlike many retirement tools, though, annuities are contracts between you and an insurance company, rather than with banks or investment companies. You can buy an annuity in two ways: either by making a lump-sum payment to the insurance company or by paying into it regularly (say once a month).

There are many types of Annuities.
When you purchase an annuity from an insurance company it is referred to as an Individual Retirement Annuity (IRA).
When you purchase from a bank it is called an Individual Retirement Account (IRA).
Funds that are place into an annuity are either Qualified or Non-Qualified.
Qualified Funds means that the funds are qualified to be taxed when you take them out, so you put them in Pretax. For example a rollover from a 401k are Qualified funds.
Non-Qualified funds are funds you place from you bank account or they have already been taxed and you placed them into the annuity after tax.

Funds in an annuity grow tax-differed or tax free in the case of a Roth IRA. Please review specifics of Annuity types like Traditional IRA vs Roth before purchasing

Medicare Supplement

A Medicare Supplement insurance plan, also known as Medigap, is healthcare insurance you can buy that may help pay for the out-of-pocket costs Original Medicare doesn’t cover. It is offered by a Medicare-approved private insurance company to help bridge the gap between the charges you pay and what is covered by the federal Medicare program.

Medicare Advantage

Medicare Advantage is a managed health care plan that acts as an alternative to original Medicare. Medicare is offered to people aged 65 or older who have met the working credit requirements by paying into the Medicare system through payroll deductions. Medicare Advantage plans are Medicare-approved policies offered by private companies as an alternative to traditional Medicare coverage. MA plans provide hospital and outpatient coverage that replaces that under parts A and B of Medicare, with the exception of hospice care. Most MA plans also include Part D prescription drug coverage.

Medicare PDP Drug Plan

A Medicare Prescription Drug plan (PDP) is an insurance policy that covers take-home drugs prescribed by a doctor. Out-of-pocket costs usually apply. PDPs are also known as Medicare Part D

Dental / Vision

A dental vision plan is a type of insurance that covers both dental and vision care. Dental insurance helps cover fees for routine dental check-ups, expensive procedures and most things in between. Vision insurance helps cover fees for annual preventive care check-ups, glasses and contacts

Health Plan – under 65

An under 65 health plan is a health insurance plan for people who are not yet eligible for Medicare. People under 65 have different options for health insurance depending on their income, disability, employment, and medical needs. They can apply for Medicaid, a state and federal program for low-income or disabled people, which covers basic healthcare and prescription drug costs. They can buy or change a traditional health insurance plan through HealthCare.gov, the health insurance marketplace, where they can compare different levels of coverage and subsidies based on their yearly income. They can also get or keep health insurance through their employer or through COBRA, a temporary extension of employer-sponsored coverage. They should consult with their doctor and compare the available options to find the best fit for their situation

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Our Services

If you are a client or future client most all of our tools are accessible online without meeting with an agent. If you like you are welcome to reach out to us with questions and a state licensed agent will be happy to assist.

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Why us?

We take pride ins providing a Simpler, Easier, Faster, Way. Find peace of mind knowing our mission is to protect the next million families with honest transparent online process. Take a look at how it works.

Our Team

David Jarman

Co-founder / CEO

Licensed agent over 20 years, Graduate from SIU-C, with a Computer Science & Marketing background.

Jimmy Banh

LEAD DESIGNER

This is some dummy copy. You’re not really supposed to read this dummy copy, it is just a place holder for people who need some type.

Katsuro Yamada

Cyber Security & Trainer

Licensed agent 17 years, Specialize in agent on-boarding training and Medicare Solution. I have a decade of experience as an ITTier 2 support Manager, with a lifetime of experience in technology: My skill set lies in CyberSecurity threat detection and prevention alongside penetration testing and infrastructure analysis.

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Eva Lester
Senior Supervisors ・ Fables

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