Security. Protection. Comfort.

Avoid getting several insurance companies contacting you and pressuring into buying one of their policies by letting us do the shopping for you. Just give your information once, and we deal with all the headache!

No hassle. No headaches. No time wasted.

Our team does all the work for you so that you get the best insurance policies for YOU.

Our mission is to provide clarity on financial literacy and help each of our clients find what they need for a secure future.

Having an arsenal of financial protections like life insurance, mortgage protection, and a debt-free life plan will ensure you and yours are prepared to take on life’s pitfalls.

What We Offer

  • Free Discount Pharmaceuticals Card

    Quilty Rx is a discount card that helps decrease US prescription costs and other essentials from more than 35,000 pharmacies across all 50 states.

  • Mortgage Protection

    Protect your family from losing their home in the event of your death. Our policies don’t pay out to a bank or lender. The money goes straight to your family.

  • Life Insurance Policies

    With options for whole life insurance, term life insurance, and annuities, we’ll help you find the right policy from one of our many providers that suits your situation and budget.

  • Life Insurance Policies for Minors

    Policy options for minors that will get paid out to them when they come of age. Those funds could be used however they like, for school, living expenses, or whatever else they need.

  • DFL - Debt Free Life

    A financial planning strategy using Life Insurance to create your own self-lending account. It’s infinite banking with no taxes when you borrow from your account.

Be prepared for

No matter your age and financial situation, there is a way to take control of your finances and secure protections for the future. Not only that, DFLs will ensure a path for creating wealth that will allow for a comfortable lifestyle.

About Us

Case managers with experience and know-how.

 

Insurance and financial literacy are not glamorous when you do them to help people. There is a misconception that knowing how money works and having insurance is for the “rich folks”. We grew up surrounded by people with this mentality and our family even suffered for it. We decided that we would disprove this belief and help others avoid tragic circumstances that come from not being prepared. Financial literacy can be complicated and confusing, so we’re here to make it understandable and find the financial plan that works for each individual and family. No strings. No tricks. We have only honest questions and answers. Spoiler alert, these things are most definitely not just for “The Rich”. But they are complicated and sometimes even confusing. We’re here to clear it up, make it more accessible and affordable, and most importantly we are here to make it easy to understand. No strings, no tricks, just honest questions and answers.

In 2017, brothers JD and Sean lost both of their parents six months apart. Their parents, having no living will, no written legal documents, no savings, and no life insurance, the tragic deaths left behind only debt and very little time to mourn between phone calls for collection. In the years since the brothers have focused on business and financial education while running a digital marketing firm.

In 2022, the brothers met Jonathan, who introduced them to a deeper education in advanced markets in Insurance and annuities. Having come from a similar background of poverty and poor financial literacy, the three decided to come together and create an easy access platform for education and for no-pressure access to financial services.

Bold brands we believe in.

FAQs

No. Using a broker costs nothing extra for you. We do all the work, so you can save on time while also avoiding the stress of shopping around and possibly getting confused by the options.

Nearly 60% of the American people are uninsured, and an equally staggering number have no savings or financial plan of any sort in place. Because of this, nearly 90% of families who lost the primary income earner will end up in foreclosure within the first two years of their passing.

Because Life insurance and annuity products are regulated but not run by the government, the near 40 carriers we work with are constantly competing and improving their products in customer service and quality offerings. Many have been around for more than 80 years.

This can be a fair perspective to have. Like with automotive, tech, and even service sales, there is a lot of predatory and frankly unethical selling that happens in the sales environment. The big violators here are salesmen overselling clients, and the other is a product called a Variable Annuity (which is something we’ll go deeper into in our video series).

As a general rule, by law, insurance has to be aleatory, meaning that insurance companies have to offer you something of greater value than what you are giving them in premiums. Our primary goal is education, along with that education we offer safe and ethical evaluations for insurance coverage, annuity planning, and even debt resolution.

While it has become a bit of buzz phrase on the internet, it is a simple concept with difficult execution. To be “Financially Literate” you have to do three things:

  1. Understand what money is and how it works.
  2. Learn to know where ALL your money is and what it’s doing.
  3. Understand the difference between money and wealth.

Money, put simply, is currency. A valued trade note that is traded for goods and services. Money is valued based on how much of it there is and how likely you are to be able to trade it for said goods and services. We’ll go into this deeper in our video series, but for now, just understand that a healthy currency is essential to a healthy economy of labor and goods.

Most people have a great idea of how much they make and no idea how much or where they spend it. Living paycheck to paycheck has become a cultural staple in many parts of the world for the downtrodden and the hopeless. Start counting your money and pay attention to where it goes. Learn to budget and to understand the difference between NEED and WANT.

There are essentially two types of Life insurance, permanent and temporary, or whole and term. There are dozens of different subtypes of these two primary types, and they can get pretty confusing if you don’t know what you’re looking at. Insurance has to cover something. That’s its job, so there are different types of long-term and short-term insurance based on different concerns.

Whole Life

Whole life insurance is permanent life insurance, as long as you maintain your payments Whole life lasts…well, for your whole life. Because it lasts until you die(or until you reach a certain age) it is the most expensive of the lot, but it also has a lot more utility than other types of insurance, and we’ll teach you what you need to know.

Term Life

Term life is the most affordable of insurance, and as the name suggests it is for a certain term, 5, 10, 15, 30 years. The face amounts are larger and the monthly payments are lower. The utility is not as broad, as term life is pure life coverage, meaning it only pays out(with a few exceptions) when you pass away and develops no cash value.

Annuities are essentially Living Insurance. They are designed to pay out at a certain age, so you don’t outlive your money. Annuities are generally expensive, similar to a self-funded retirement like an IRA or a Roth IRA. With smart financial planning, this can be affordable for anyone with a regular income.

Mortgage protection is a type of policy designed to protect your family from losing their home in the event of your death. In the old days, Mortgage Protection was provided through Mortgage lenders, and the lender got the money if you passed away. Now, the protection we offer pays out to your family, not to the bank.

Debt Free Life or DFL is a financial planning strategy using Life Insurance to create your own self-lending account, or to put it more simply, to create your own bank. You’ll see the term infinite banking all the time on social media, this is that.

Medication prices in the United States are out of control, Quilty Rx is a discount card that helps with discounts all across the US on prescriptions and other essentials from more than 35,000 pharmacies across all 50 states.