Resources
Everything We've Written, In One Place
Our whole library: products, free PDF guides, comparisons, carrier reviews, health condition pages, the IUL library, family situations, and Florida service areas.
Agent careers
Licensing, contracts and responsible independent life insurance work. No earnings promises.
Apply to joinHow to Get a Life Insurance License in FloridaHow to Get Licensed in Multiple StatesCaptive vs. Independent Life Insurance AgentWhat Is an IMO, FMO and BGA?How Life Insurance Commissions WorkUnderstanding Life Insurance ChargebacksHow to Choose a Life Insurance Agency to JoinQuestions to Ask Before Signing an Agent ContractOwning Your Book of BusinessVesting and Renewals ExplainedBuying Leads vs. Generating Your OwnPhone Sales vs. In-Home Life Insurance SalesFinal Expense Agent Career GuideMortgage Protection Agent Career GuideIUL Sales Ethics and SuitabilityCompliance Basics for New Life Insurance AgentsYour First 90 Days as a New Life Insurance AgentFrom Part-Time to Full-Time Life Insurance AgentConsidering Leaving State Farm to Go IndependentConsidering Leaving American Income Life to Go IndependentConsidering Leaving Globe Life to Go Independent
Explore careers →Life insurance by state
Local planning context and official consumer resources across all 50 states.
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
Explore all states by region →Answers, reviews & local guidance
Understand a policy you own, ask a question, or explore local coverage.
Calculators & cost planning
Free coverage planning and a plain-English look at what affects prices.
Coverage types
Every product we place, with an honest read on who it fits.
Free PDF guides
Download and read at your own pace. No prices, no pressure.
All free guides →Guides & education
Plain-English explainers on how the whole thing works.
How life insurance worksWhy it mattersDo I need it?How much do I needHow to buy a policyUnderwriting explainedNo-exam policiesLiving benefits & ridersChoosing a beneficiaryCan't afford coveragePrepaid funeral vs. final expenseForeign nationals
All guides →Indexed universal life library
The full IUL library — basics, fees, taxes, illustrations, and risks.
What Is IUL?How IUL WorksCash Value ExplainedPros & ConsIs IUL a Good Investment?For Young ProfessionalsFor Business OwnersFor High-Income EarnersIUL vs Term LifeIUL vs Whole LifeIUL vs 401(k)IUL vs Roth IRAIUL vs VULIUL vs AnnuityIUL FeesCOI ChargesIUL Tax BenefitsTax-Advantaged IncomePolicy LoansCaps & ParticipationHow to read an IUL illustrationIs IUL a scam?IUL risks and downsidesWhy IUL policies lapseIUL mistakes to avoidReviewing an existing IULIUL for parentsIUL for retirement planningIUL for estate planningIUL for tax diversification
All IUL pages →Side-by-side comparisons
Two products, one question: which one fits your situation?
Term vs. whole lifeIUL vs. term lifeIUL vs. whole lifeFinal expense vs. term lifeFinal expense vs. whole lifeFinal expense vs. prepaid funeralTerm vs. mortgage protectionWhole life vs. annuity
All comparisons →Buyer's guides
How we shortlist carriers for a specific kind of buyer.
Burial insurance for parentsFinal expense insurance for seniorsNo exam life insuranceLife insurance for seniors over 70Whole life insuranceTerm life insurance
All buyer's guides →Topics worth knowing
Burial, cremation, veterans, living benefits, underwriting, and more.
Health conditions
What underwriters look for, condition by condition.
Type 2 diabetesType 1 diabetesCOPD & emphysemaHeart attack historyCongestive heart failureCancer historyStroke or TIAAFib & pacemakersBlood pressure & cholesterolKidney disease & dialysisOrgan transplantHIVDementia & Alzheimer'sParkinson's diseaseSmokers & tobaccoRecently quit smokingWeight & high BMISleep apneaDepression & anxietyNon-smoker ratesSubstance use recoveryDUI historyCriminal record or felony historyBipolar disorderSchizophreniaEpilepsy and seizuresMultiple sclerosisLupusRheumatoid arthritisCrohn's disease and ulcerative colitisHepatitis CCirrhosis and liver diseaseNeuropathyAmputationWheelchair use and limited mobilityHome oxygen useNursing home and home health careDialysisAneurysmPacemaker or defibrillator
All conditions →Carrier reviews
Independent editorial reviews of the carriers we place.
Mutual of OmahaAetnaTransamericaForesters FinancialAmerican AmicableRoyal Neighbors of AmericaCorebridge FinancialAmericoBanner LifeUnited Home LifeSenior LifeAmerican Home LifeFidelity Life (InstaBrain)Kansas City LifeLiberty Bankers Life (LBIG)SBLILifeShield NationalTrinity LifeF&G (Fidelity & Guaranty)
All carriers →Who we serve
Guides by age, family role, and occupation.
Seniors over 60Seniors over 70Seniors over 80Seniors over 85Insuring your parentsMomsDadsGrandparentsVeteransTeachersSelf-employed & business ownersNew parentsChildrenCouplesNursesActive militaryBusiness ownersBusiness partnersForeign nationalsGreen card holdersH-1B visa holdersAsset protectionTruck DriversConstruction WorkersElectricians and LinemenPolice OfficersFirefightersHealthcare WorkersRetireesNewlywedsDivorced ParentsSingle AdultsStay-at-Home ParentsGig Workers
Everyone we serve →Families we serve
Illustrative household scenarios and how they get covered.
Young Family With a MortgageSingle ParentBlended FamilySmall Business Owner and SpouseCaregivers of an Aging ParentNewly Retired CoupleFamily With a Special-Needs ChildFamily of a First Responder
All family situations →Florida service areas
HQ in Jacksonville, licensed in all 50 states.
Life insurance in FloridaJacksonvilleMiamiTampaOrlandoSt. PetersburgFort LauderdaleTallahasseeGainesvilleOcalaNaplesCape CoralPort St. LucieSt. AugustineSarasotaPensacolaWest Palm Beach
All service areas →From the blog
Dated commentary on what is changing right now.
Old PoliciesTerm ConversionHealth ScaresHurricane SeasonOpen EnrollmentBank & Employer OnlyAI UnderwritingFinal Expense2026 Changes
All posts →Working with a licensed agent
How independent agency actually differs, and how we get paid.