Life Insurance Your Family Will Actually Collect On.
Final expense, veteran, and mortgage protection coverage from 7 carriers rated A or better, compared by one licensed agent and explained in plain English. See your price in about a minute, apply online, and sign by text code.
- Independent: we compare carriers and are paid by the one that issues your policy, never by you
- No medical exam on most plans; health questions only
- Many applications are approved the same day
- One agent of record for the life of the policy, not a call center
Your Price in About a Minute.
Answer a few health questions and see 3 options priced by the carrier, not a sales pitch. Pick one and apply on the spot. Nate confirms everything with you by phone and you sign by text code. Nothing is charged until the carrier approves you.
Mortgage protection and IUL are quoted by phone; start here for those.
Appointed with
- Mutual of OmahaAM Best A+ · Since 1909
- TransamericaAM Best A · Since 1904
- Foresters FinancialAM Best A · Since 1874
- Royal NeighborsAM Best A · Since 1895
- Corebridge FinancialAM Best A · Since 1926
- AflacAM Best A+ · Since 1955
- Chubb / CombinedAM Best A+ · Since 1922
Ratings are AM Best financial strength ratings as of October 2026 and can change. We are compensated by the carrier that issues your policy; you never pay us a fee.
Three Questions Families Ask Too Late.
Each one has a page. Pick the one that sounds like your house.
What Your Family Actually Receives.
Most agents send a policy number by text and disappear. Here is what leaves our office after your policy is approved.
- The Legacy CertificateA 3-page packet: the certificate of protection you see here, a page on why the carrier was chosen for you with your policy at a glance, and a security page. Printed, mailed, and sent to your phone.
- Your Security Code WordYou pick a word. It goes on your packet and wallet card. Anyone who calls about your policy and cannot say it is not us, so you hang up. It stops the replacement agents and the scam calls that follow every new policy.
- Legacy Safeguard Membership NO COSTA planning membership included with your coverage: tools to record your final wishes, help getting a will and power of attorney done, connections to funeral homes in your area, and survivor assistance for your family. You can share it with up to 5 people.
- One Agent, for the Life of the PolicyThe agent who writes your policy is the one who answers when you call 2 years later to change a beneficiary or add coverage. Direct line, not a call center.
How a Call With Us Goes.
No pitch. 4 steps, in this order, every time.
1. Your why
Who picks up the pieces if something happens to you this week, and what would they face? We get that down first, in your words, because everything else is built on it.
2. The real cost
Burial or cremation, your area, your wishes. We walk the actual numbers so the coverage fits the bill instead of a guess.
3. What you have now
If you already have something, good. We write it down exactly as it is and tell you straight whether it does the job. Most of the time we add to it instead of replacing it.
4. Lock it in
Your health and budget decide which carrier and which plan. You pick Bronze, Silver, or Gold, we apply by phone, and many people hear back the same day.
I spent 12 years around men who would take a bullet for the guy next to them. Then I watched their families get a check for $255 from Social Security and a funeral bill for $8,000. That is why I do this.Nathaniel Ruiz, U.S. Army veteran and founder, Innovations Financial
Questions Worth Asking Any Agent.
What is the free look period?
After the policy arrives you have a window, usually 10 to 30 days depending on your state, to read it and cancel for a full refund if it is not what you were told. We walk you through the packet before that clock matters, so there are no surprises in it.
What happens if I miss a payment?
Every carrier gives a grace period, typically 30 or 31 days, before a policy lapses. We set your draft on or after the day your money lands so it does not come to that, and we call before the draft when something changes.
What is the 2-year contestability period?
For the first 2 years the carrier can review your application if a claim is filed. That is why we record your health answers exactly as you give them. An honest application is a claim that pays.
Is the $9.95 plan on TV a real policy?
That price buys 1 unit of coverage, and a unit at 70 is a few hundred dollars, not a funeral. It is sold by unit so the ad can show a low number. We quote the real face amount and the real monthly price for your age.
How fast does my family get paid?
On a level policy, a clean claim with a death certificate usually pays within days to a couple of weeks. The code word and the packet exist so your beneficiary knows exactly who to call and what to send.
Find Out What You Qualify For.
No cost. No obligation. A licensed agent, not a call center.
Get My Free Quote