What Our Customers Say


I had become discouraged about the prospects of securing life insurance. Jason Dana accepted the challenge presented by my age as well as an extensive and complex medical history. Working with the underwriter he was able to overcome those obstacles and secure my policy in a timely manner. It is with enthusiasm that I recommend Jason to help with your insurance needs.



You and your team provided an excellent service! Impressed with promptness and professionalism. I will recommend my friends and family. Have a Happy and Prosperous New Year.

Sara P.
~Sara P.


You did do a fantastic job the whole way through the process. Also, you were super helpful making the physical happen as getting that scheduled was quite a challenge! Thank you very much for everything!

Michelle M.
~Michelle M.


Thank you Jason. Thank you for guiding me through the process. Your staff always gave me clear, precise instructions.

Maggie B.
~Maggie B.


Thank you for taking care of this for me I really appreciate it everything went really smooth and nice. Thank you again for your amazing service.

Corey R.
Best regards, Corey R.


You and the staff have all been a pleasure to work with. I appreciate the quick replies to my inquiries, and the professional, yet friendly way I have been treated. I’m a picky client and not easily impressed, but the service I got was awesome.

Joe Q.
~Joe Q.


I am 73 years old and needed to obtain $300,000 in term insurance… Initially, my application was rejected. Working with Justin Nelson, I provided additional medical history to Prudential and the policy was issued. Had it not been for Justin’s hard work I would not have gotten the insurance. I highly recommend them for your life insurance needs.

Tom T
~Tom T


I appreciate all of your help and prompt responses to my barrage of questions. After dealing with another popular Insurance broker, and receiving the run around for 5 months, you don’t know how happy I am to finally have a policy in place. I think I made a good decision with the Insurance carrier and rates that I received, this is in part to all of the valuable information found on the website. Thanks again for your help, and I have already recommended you to my mother.

Dana S.
Thanks, Dana S.


Jason, I can’t thank you and Angela enough. With all the back and forth with the Dr’s reports, you people are amazing.

Edward M.
Thank You~ Edward M.


Thank you, for being so easy to work with. Yes I will be happy to recommend you to my friends and family.

Gayle O.
With Appreciation, Gayle O.


Mr. Dana has been a joy to work with. He got me the policy I wanted in a respectable time. The communication with Mr. Dana was fluently throughout the whole process. He answered any questions or concerns that I had. I would definitely recommend him.

Daniela L.
Thank you, Daniela L.


Thank you for the excellent service from you and the whole team at Principal from the initial phone call to the end result of the policy. I highly recommend your company to anyone interested in insurance.

Evelyn O.
Best, Evelyn O.


I am (was) greatly impressed! They listened to my needs, helped identify solutions, and provided guidance and assistance every step of the entire process. I never felt “pressured” into a product I didn’t need. The level of genuine care is evident. Can’t thank Jason enough for his help.

Lou S.
Sincerely, Lou S.


Thanks for all your help Jason. You and your team made the process not only painless, but accommodating and very easy. Sleeping well, knowing that my wife is protected from here forward.

Walt D.
~Walt D.


Great job! Best service.

Maria E.
~Maria E.


Thank you so much, it was a pleasure doing business with you. You did a great job explaining all the steps and the policy details. I felt so comfortable having you handling my policy, you made me feel that I am in good hands and there is nothing to worry about. Thank you for your help and for delivering all what you promised at the beginning. Keep up the good work.

Sabrina S.
All the best, Sabrina S.


Jason did a great job with securing my new born son and wife a life insurance policy in case anything happened to myself. The policy activation was easy and worth the short amount of time spent to make sure my family is in good hands.

Ben M.
Thanks, Ben M.


Thank you Jason. I am truly appreciative for how easy (you) made the process of purchasing life insurance. My questions were always answered in a timely manner and I felt like everyone listened to my specific needs and concerns and addressed them all to my satisfaction. I will not hesitate to call on you again should we need any life insurance products in the future.

Tami O.
Thank you again, ~Tami O.


Thank you for your assistance in securing this policy. Your quick response time for a quote along with constant, consistent communication were all appreciated. We knew where in the process we were at all times.

Brian P.
~Brian P.


These are the sweetest, kindest, most thoughtful & helpful people I have ever had the pleasure of speaking with, not only that, they all went above and beyond the call of duty to help me. It was such a special blessing to me to feel comfortable talking to all, knowing that they had my best interest at heart, are so knowledgeable, and professional. It’s really kinda sad to me knowing that now that my policy is active, I might not have a chance to talk to them to make sure that they are doing well. I am currently taking to a few of my OLD friends about life insurance and I’m trying to drum up a little business… Thank you all for being sweet and kind to me and thank you for being so helpful through this process.

Elaine M.
Take care, my friends, Elaine M.


Your support team showed great follow thru. Appreciate all the help.

Ed and Suzanne V.
~Ed and Suzanne V.


I have had a very rewarding experience dealing with your company. Ramon Summerour was my point of contact, and he was always prompt, professional and helpful. I’m very pleased with your customer service and the term life insurance policy that I have been issued.

Trish M.
Thank you very much. ~Trish M.


Thank you for your service. Your people were hard working and dedicated. I thank them also. My best regards.

Dr. Partick I.
~Dr. Partick I.


I just wanted to express my sincere appreciation at how hard you worked to find me additional life insurance coverage. I know it wasn’t easy and it took a long time but you did it and I am truly grateful! I could not be more pleased with the amazing service I received from Justin and his team. I highly recommend them!!

Andrea D.
~ Andrea D.


Thanks for your help. You were a good find on the Internet….compliments on your web site and tools, they were enough to get me to call you, so they did their job. After the call I felt I had good service along the way from you and your team, you made it easy, no more to ask.

Anthony H.
Thanks again. ~ Anthony H.


Justin, your team showed tremendous patience and diligence in getting my application done. I know my case had quite a few nuances that made it difficult to navigate, and potentially difficult to insure – but you persevered and got everything completed when I was doubtful. I have two small children and have recently gone through a divorce, and having this policy in place really puts my mind at ease, and it’s one less thing I have to worry about, and will really let me sleep at night. The peace of mind you were able to give me is irreplaceable, there was a moment where I just did not believe this would go through. Tremendous faith in you, your team, and this experience.

Neeraj P.
~ Neeraj P.


As a business owner, I needed Buy/Sell policies for myself and two partners. I was approached by my local State Farm agent I have known for years. After seeing his expensive quotes, my partners and I put off buying this needed coverage for years. One day, one of my partners told me about this no-fee insurance broker….He said they specialize in shopping through lots of insurance companies to find the best rates based on your health issues. Being that I have a few, I thought I would give it a try. To make a long story short, I received a $5 million-20 year fixed term policy with Prudential for the same price State Farm offered me for a 5M-10 year fixed term policy! Big Thank You Ramon! You guys are doing excellent work. I appreciate it greatly!

Terry M.
~ Terry M.


You have my testimony! You are the Second Coming (Of Insurance).

Gene E.
~ Gene E.

Frequently Asked Questions About Life Insurance

What Is Term Life Insurance and How Does It Work?

This article explains the basics of term life insurance and is an excellent starting point for anyone who is new to life insurance. It also answers many common term life insurance FAQs. Click here to read article.

How Do I Apply For Life Insurance?

This article explains the steps to starting an application for fully-underwritten Term Life Insurance, and provides advice for adjusting coverage at approval if needed. Click here to read article.

Can I Buy Life Insurance Without Taking An Exam?

This article explains the process of buying Term Life insurance without a medical exam including coverage amounts, sample pricing, and what information insurance companies use to determine your eligibility and rates. Click to read article.

How Much Should I Expect to Pay for Life Insurance?

This article provides actual life insurance rates based on age, and we provide advice to help you determine the rate class that you will most likely be approved. Click here to read article.

How Much Coverage Should I Buy? Life Insurance Needs Calculator?

This article provides a calculator to help you determine how much coverage to apply for, or you can always feel free to call us toll free for advice. Click here to read article.

Have You Been Declined for Life Insurance?

This article shows pricing and affordable options for applicants that are considered to be “High-Risk” to life insurance companies. With almost 50 companies under our belt, we will find the company with the most lenient and affordable options for you. Click to read article.

Applying for Term Life Insurance? What’s the process?

This illustration shows the steps to buying a term life insurance policy or any fully underwritten life insurance coverage and what to expect along the way. Click here to read article.

Term Life Insurance Vs Universal Life Insurance

This article compares the pros and cons of term life insurance to universal life insurance including costs, coverage, and the fine print to be aware of. Click to read article.

Mortgage Insurance Vs Term Life Insurance

This article compares and contrasts the features and benefits of term life insurance to mortgage insurance, as well as what to watch out for. Click to read article.

What Are My Options for Affordable Whole Life Insurance?

This article explains the different types of life insurance coverage that are available for your “whole life” and the pros and cons to each. We also included rates and tips to save up to 75%. Click to read article.

What Is Guaranteed Universal Life Insurance and How Does it Work?

This article explains the in’s and out’s of Guaranteed Universal Life Insurance – A form of life insurance that is quickly becoming a popular alternative to whole life insurance and term life insurance. Click to read article.

What is Guaranteed Issue Life Insurance?

This article explains Guaranteed Issue life insurance a form of whole life insurance for applicants with serious health issues that are 50 or older. This product is approved with no health questions or an exam, up to $25,000 in coverage. Click to read article.

Group Life Insurance (Employer Provided Life Insurance)

This article weighs the pros and cons of buying Life Insurance from your employer including cost comparisons and potential limitations on coverage. Click to read article.

What Do Life Insurance Companies Test For and How Do I Ace My Exam?

This article explains what life insurance companies test for and why. We also provide tips to get the best results on your exam, and the best rates! Click to read article.

How Does My Weight Affect My Life Insurance Rates?

This article explains the pros and cons of losing weight before applying for life insurance. We also included actual height and weight charts for an A+ Rated life insurance company that has very lenient height and weight requirements. Click to read article.

Can I Save Money By Layering My Term Life Insurance Policies?

For most of our client’s their need for life insurance decreases as they get older and their financial responsibilities diminish. Will you need less coverage when your children and moved out and the house is paid off? If so, this article is for you. Click to read article.

Can I Convert My Term Life Insurance Into Permanent Coverage?

Do you have an existing term life insurance policy that you would like to convert to permanent coverage, or would you like to learn more about the options for converting term life insurance? This article provides the basics for converting your policy and included pricing examples. Click to read article.

What Rate Class Am I? Life Insurance Class Ratings

Are you curious about what your rate class will most likely be? This chart illustrates how life insurance companies determine an applicant’s rates if they are in “standard” or better health. Click to read article.

What’s The Real Reason That People Don’t Buy Life Insurance and Why Are They Wrong?

This article explains the most common misconception about life insurance and it compares the cost of life insurance to the cost of other monthly bills and expenses. Click to read article.

How Do I Set Up A Buy-Sell Agreement for My Business Using Life Insurance?

This article lays out the 4 easy steps to setting up a Buy-Sell agreement for your business. We also explain the various methods used for determining the amount of coverage each owner can qualify for and what information is required to start the application process. Click to read article. 

What Does It Mean to be “Standard” or “Preferred” Risk?

This article explains how life insurance companies determine your life insurance rate class or “risk”. We explain how your health, family history, occupation, and hobbies affect the price of your life insurance. Click to read article.

Do You Need to Protect Your SBA Loan or Other Business Loan?

Follow these 3 easy steps to purchase life insurance to secure and protect your SBA loan or other business loan. We also explain methods to getting your coverage approved faster if you’re up against a deadline. Click to read article.

Do You Need to Protect Your Business from Unforeseen Loss of an Employee or Executive?

This article explains the 4 steps to purchasing life insurance to protect your business against the loss of an important executive or employee. If you have a “key person” whose death would cause your business a significant financial loss, then this coverage is something you should consider. Click to read article.

Would Your Family be Able to Pay the Bills if You Were No Longer Around?

Learn how millions of Americans utilize term life insurance as an affordable way to provide income replacement for their families. This article contains tips and advice for finding the best rates and coverage for your income replacement needs. Click to read article.

Do You Need to Protect Your Income Until You Reach Retirement Age and Can Access Retirement Savings?

Many American’s no longer need life insurance once they retire due to their accumulated retirement funds, 401k plans, and pensions. If your need for life insurance will end once you retire, this article is for you. Click to read article.

What Is Second To Die Life Insurance and How Does It Work?

Second to Die life insurance is a very popular form of life insurance for anyone who needs to preserve their estate from estate taxes, leave a tax free inheritance, or to establish an irrevocable trust. This article provides a description of how these policies work and we provide sample rates. Click to read article.

What Are the Most Common Term Life Insurance Mistakes and How Do I Avoid Them?

We’ve compiled a list of the 6 most common mistakes people make when purchasing life insurance and how to avoid them. If you’ve already purchased your life insurance policy, we may be able to help you save money without affecting the amount of coverage you already have. Click to read article.

Does Term Life Insurance Accumulate Cash Value?

In most situations, term life insurance does not build any cash value. This article shows a few forms of term insurance that can build a cash value over time, also known as “Return of Premium” term life insurance. In recent years a few companies have given a face-lift to these types of policies making them even more advantageous for the consumer. Click to read article.

How Can I Reduce My Estate Taxes with Life Insurance?

Life insurance is an essential component of any estate plan. When correctly utilized, the death benefit from your life insurance policy can settle or reduce your estate tax obligations to the IRS. This article explains the best type of coverage to buy for your estate planning and costly mistakes to avoid. Click to read article.

What Are 4 Things that Everyone Should Know Before Purchasing Life Insurance?

If you’re new to life insurance, this article will provide you with some basic information about how life insurance works. We’ve covered the reasons to buy coverage, how much life insurance to buy, and the best type of life insurance to buy in your situation. Click to read article.

Do You Really Need 10x Your Salary in Life Insurance?

Most life insurance agents recommend for their clients to purchase 10x their salary in life insurance, however, life insurance is not a “one-size-fits-all” product. We created this article to help you determine how much coverage to buy depending on your situation and need for life insurance. Click to read article.

What is an Accelerated Death Benefit Rider and How Do They Work?

This article explains how an accelerated death benefit rider works and the benefits that they offer. Accelerated Death Benefit Riders, or ADB Riders, are usually free and are automatically included with the majority of the life insurance policies that we sell. Click to read article.