Simple & affordable life insurance
Nick is a local, independent agent here to help clients aged 40 to 70 find the right coverage for their term, whole and permanent life insurance needs.
Why Work with Nick
Always Local
Most Affordable
Completely Independent
30+ Highly Rated Carriers
Frequently Asked Questions
Is life insurance too expensive at my age?
Not necessarily! While premiums increase with age, term life insurance remains an affordable solution for most people. You can adjust the coverage amount and policy length to fit your budget. For example, choosing a 10- or 15-year term can lower monthly costs while still providing crucial coverage during key financial years.
Example: A $500,000 policy may cost significantly less than you expect—let Nick show you all available options.
Why is term life insurance ideal for ages 40-70?
Lower Cost Than Whole Life – Term life insurance is significantly more affordable than permanent life insurance, making it a great choice if you need protection without the high premiums.
Flexible Coverage Lengths – Choose a term that aligns with your needs—10, 15, 20, 25, 30, 35 & 40-years. years.
Peace of Mind for Your Loved Ones – Ensure your family is protected from financial burdens like outstanding debts, funeral expenses, or lost income.
No Investment Hassles – Unlike whole life insurance, term life is simple—no confusing cash value components, just straightforward protection.
What term length should I choose?
- 10-Year Term – Ideal for covering short-term financial needs, like paying off a mortgage or covering final expenses.
- 15-20-25-Year Term – A great choice if you have longer financial responsibilities, such as supporting a spouse or covering estate planning costs.
- 30-35-40-Year Term – Less common, but an option for those who want to lock in rates for a longer period.
What’s the underwriting process like?
Underwriting varies by insurer, but Nick works with every major carrier to help you find the best possible rates based on your unique situation.
Here’s what to expect:
- Medical Questions – Most term policies require some health history information.
- Medical Exam (Sometimes Required) – Some insurers may ask for a simple exam, but no-exam policies are also available.
- Rate Shopping – If one company doesn’t offer the best rate, Nick will shop your case with other highly-rated carriers to ensure you get the lowest premium.
Which insurance carriers do you use?
Nick works with over 30 highly rated carriers to find the best policies for your needs.
American General/Corebridge
American National
Ameritas
Assurity
Athene/Accordia/Global Atlantic
Banner/Legal and General America
Cincinnati Life
Companion Life
Equitable
Genworth Financial
Lincoln Financial Group
Lloyds of London
MassMutual
MetLife/Brighthouse
Minnesota Life
Mutual of Omaha/United of Omaha
National Life Group
Nationwide
New York Life
North American
OneAmerica
Pacific Life
Protective Life
Prudential
ReliaStar
SBLI
Securian
Security Mutual
Symetra
Transamerica
US Life
Voya (formerly ING)
Zurich
Do you offer discounts?
- Quarterly payments – ~2% discount
- Semi-annual payments – ~4% discount
- Annual payments – ~6% discount
Additionally, quantity discounts apply when purchasing life insurance as well. You purchase life insurance in $1,000 increments—the more coverage you buy, the lower the cost per $1,000 unit.
Our Process
My process is simple. Start by filling out the life insurance quote form and submitting your information. Once I receive it, I’ll schedule a call to discuss your needs and answer any questions. From there, I’ll compare policies from top-rated insurance carriers to find the best coverage at the most competitive price. Once you choose the policy that fits your needs, you’ll complete the payment, and your coverage will be in place—giving you and your family financial security and peace of mind.