I'm Connor. I compare more than twenty insurance companies, read you the real monthly price myself, and tell you to keep what you have if it's already good.I'm Connor. I compare 20+ companies and read you the real monthly price myself.
Tap one. The answer appears beside it, and the form above already knows what you're asking about.
Not sure? That's normal. Pick "Not sure yet" in the form and tell me what worries you on the call.
Simple whole life sized to the funeral and what comes with it. Some plans skip the medical exam and ask health questions instead. The payment stays the same for life.
Plans with no health questions exist too; in roughly the first two years they usually pay back premiums plus interest instead of the full amount. I'll tell you which one you're looking at.
One line is enough. A funeral bill, the house, your income, your retirement.
At the time you asked for, from the number on this page. Bring your spouse or your kids if you like.
Twenty-plus companies, the real monthly figure, and the catches before you sign anything.
If what you already have is good, I'll say keep it. Nothing is charged over the phone.
The company pays me, not you. Your price is the same as buying direct.
Pays off the house if you pass. Pays you if a critical illness like cancer, a heart attack or a stroke stops your income.
Use the death benefit while you're still alive if a critical, chronic or terminal illness hits. Exercising a living-benefit rider reduces the death benefit.
Growth tied to a market index, a floor in down years, and tax-advantaged access later. Built for high earners and owner-operators with no 401(k) in the cab.
Index-linked crediting is subject to caps, participation rates and policy charges set by the carrier. Illustrations are not guarantees of future performance.
Hybrids fix "use it or lose it": care benefits if you need them, a death benefit for your family if you don't. Medicare generally won't cover long-term care.
Simple whole life that covers the funeral and the costs that come with it, so grief never comes with a bill attached.
Plans with no health questions pay a limited benefit for natural-cause deaths in roughly the first two years. I say so before you choose one.
A rate guaranteed in the contract and protection from market loss, turning savings into tax-deferred growth or income that arrives like a paycheck for life.
Annuity guarantees are backed by the claims-paying ability of the issuing insurance carrier.
Your ability to earn is your biggest asset. If illness or injury stops you from working, disability insurance replaces a portion of your income until you're back on your feet.
Sometimes the right answer is the simple one. I quote straightforward term and whole life across 20+ carriers, and tell you honestly which one your situation calls for.
The big online companies are fast and the TV plans are easy. Where they fall short is the moment you have a question, a health issue, or a price that doesn't make sense. That's the part I do.
An IUL isn't a product off a shelf, it's a design. Done right, it gives you index-linked cash value growth, protection from down years, tax-advantaged access in retirement, and an income-tax-free benefit for your family.
In the down years your credited rate holds at the floor instead of going negative, but policy charges continue, and gains in up years are limited by the carrier's cap. Illustrative only, not a carrier illustration.
Strip the jargon and it's one thing: a permanent life insurance policy with a savings account bolted to it, where the savings account grows based on a stock index without being invested in the market.
You pay a premium. Part covers the insurance. The rest goes into cash value. That cash value gets credited interest based on how an index, usually the S&P 500, performed that year. Your money is never actually in the market. The carrier just uses the index as a measuring stick.
That distinction is the whole product. It's why a market crash doesn't cut your credited interest below the floor, though policy charges still apply, and it's why you don't get the full gain in a boom.
Two numbers define your crediting, and they're set by the carrier, not by you.
That's the deal: you trade the big up years for never having a down year. Nobody's giving you anything. You're buying protection with upside.
Caps and participation rates are not guaranteed. The carrier can lower them, and many have. A policy sold on a 12% cap can be crediting 8% ten years later. Ask what the guaranteed minimum cap is. That's the floor under the promise. If someone won't answer that, walk.
This is the part illustrations bury on page 14. Every dollar splits three ways:
In year one, slice 3 is small. That's not a scam, it's how the product works. Charges front-load, then flatten while cash value compounds. It's why an IUL funded for three years and abandoned is a bad deal, and why one funded for twenty-five is a different animal entirely.
Ask for the policy funded at maximum non-MEC: the most premium the IRS allows for the smallest legal death benefit. Minimum death benefit means minimum insurance cost, which means maximum money into slice 3. An IUL sold with a big death benefit and small premium is built to pay a commission, not to build your cash value.
You don't withdraw it. You borrow against it.
The cash value stays in the policy and keeps getting credited. The carrier lends you money using that cash value as collateral. Because a properly structured policy loan generally isn't taxable income, there's typically no 1099 while the policy stays in force. When you die, the outstanding loan is deducted from the death benefit and the rest goes to your family income-tax-free.
That's the mechanism behind every "tax-free retirement income" pitch you've heard. It's real. It's also the part that goes wrong most often.
MEC. Overfund past the IRS limit and the policy becomes a Modified Endowment Contract: loans become taxable and there's a 10% penalty before 59½. It's permanent and it cannot be undone.
Lapse. Borrow too aggressively and loan interest can outrun your credited growth. The policy collapses, and the IRS treats the entire forgiven loan as taxable income in one year. You'd owe tax on money you spent a decade ago. A policy designed to be loaned against needs to be reviewed annually. Not "set it and forget it."
| 401(k) / Traditional IRA | Roth IRA | IUL | |
|---|---|---|---|
| Contribution cap | IRS annual limit | IRS limit + income phase-out | No IRS dollar cap; limited by your death benefit and MEC |
| Income limits | None to contribute | Yes, high earners phase out | None |
| Tax on growth | Deferred | Tax-free | Deferred |
| Tax on access | Ordinary income | Tax-free after 59½ | Tax-advantaged via loans, if structured and managed right |
| Access before 59½ | 10% penalty | Contributions only | Any time, no age penalty |
| Market loss | Full exposure | Full exposure | Floor protects the credit; charges still apply |
| Employer match | Often | No | No |
| Death benefit | Account balance | Account balance | Income-tax-free, usually far more than you paid in |
| Required distributions | Yes at 73 | No | No |
If your employer matches and you're not taking it, fix that before you call me. A match is free money and no IUL beats it. An IUL is for what comes after: the money that has nowhere tax-advantaged left to go, or the 1099 earner who never had a match in the first place.
If you're on the right-hand list, I'll tell you. An IUL sold to someone who can't fund it lapses, and a lapsed policy is worse than no policy at all: you paid for years and walked away with pennies.
Every item above is a way to catch a bad IUL, including one I might sell you. I'd rather you ask hard questions and buy with your eyes open than sign something you don't understand and resent in year three. If an IUL isn't right for you, I'll say so and quote you term instead.
None of the above tells you what your policy would do. That takes your age, your health, your income, your timeline, and a real carrier illustration, not a slider.
A quick call with me: I'll run it across 20+ carriers, show you the guaranteed column alongside the projected one, and tell you honestly whether this is your move or whether you'd be better off somewhere else.
Two anchors hold a retirement steady: a guaranteed-rate vault, and an indexed engine that can become a paycheck for life. Here's each kind in plain words, and what it's actually for.
A set rate for a set term, built for retirement money. Choose a term. Lock the rate. Sleep well.
Gains ratchet up. Market losses don't reduce your locked value. Growth potential without market risk to principal.
Caps and shares can move, in both directions. The floor cannot. Ask for the guaranteed minimums before you sign.
Income you can't outlive. The fix for the retirement question nobody can answer: "how long will I live?"
Connor Herron is a licensed insurance producer (NPN 21556594) in the following 12 states:
Not in one of these states? Call us — we can often point you to a trusted licensed partner where you live.
NPN 21556594 · Licensed producer
My job is simple: secure your family's peace of mind with transparent, affordable coverage. Because I'm independent, I work for you, not a carrier. Every policy gets shopped across 20+ national companies, explained in plain English, and sized to your real budget.
It costs you nothing to work with me. Your premium is identical to buying direct. And if a policy isn't right for you, I'll be the first to tell you. When you call the number on this page, you get me. Not a call centre.
[Connor: one sentence of your own story goes here. Why you do this work, in your words.]
— Connor Herron
Answered straight, the way I'd want it. Anything personal, we do on the call.
Some plans skip the medical exam and ask health questions instead. If an exam would get you a better price, I'll say so and you choose.
Nothing to you. The insurance company pays me a commission when a policy is placed. Your price is the same as buying direct.
One thing worth knowing: for about the first two years an insurer can review the application and deny a claim for misstatements, so answer the health questions fully. I'll help you do that.
Those plans are sold by the unit, and a unit buys a set amount of coverage that gets smaller as you get older. Most guaranteed-acceptance plans also pay a limited benefit for natural-cause deaths in roughly the first two years. I'll show you what a regular plan pays for the same money so you can compare fairly.
Level pays the full amount from day one. Graded, and most guaranteed-acceptance plans, pay limited benefits for natural-cause deaths in roughly the first two years, often a refund of premiums plus interest, then the full amount after that. I tell you which one you're looking at before you choose.
Often, yes. Insurers see health differently, which is why comparing several matters. If a plan has a waiting period, I'll tell you up front. No promise until the insurer decides.
No. PMI protects the lender if you stop paying. Mortgage protection is life insurance you own that pays the people you name. They decide whether to pay off the house.
And that letter about your mortgage? It may not be from your lender. I'm not your bank. Bring it to the call and I'll tell you what it is.
Many policies offer living-benefit riders that let you use part of your own death benefit early if you're diagnosed with a critical, chronic or terminal illness. What you take out reduces what your family gets later. Terms vary by carrier and state, so we read your policy's specifics line by line before you sign.
The index credit has a floor, but policy charges still come out. If the cash value runs low the policy can lapse. Caps and participation rates can change at renewal, and illustrations are projections, not promises. It's a tool with real limits and it isn't right for everyone.
A contract with an insurance company: you pay in, it credits interest or pays income. Taking money out early can mean surrender charges and taxes. I show you the surrender schedule before anything else.
Yes. Every policy comes with a "free look" window after delivery, and its length depends on your state and the product. I'll tell you yours in writing.
Good. Let's check whether it follows you when you retire or leave. Group coverage is usually a multiple of your salary and often ends with the job. A policy you own goes with you and can be sized to what your family would actually need.
Bring it. We'll read it together. Replacing a policy you already own has real costs and sometimes keeping it is the right answer. I'll say so.
Invite them to the call. Many families decide this together, and I'd rather explain it once to everyone than twice to one.
I'll tell you straight away. I only write policies in the states I'm licensed in, and I can often point you to someone licensed where you live.
No — and it never pretends to be. It's automated software running on our own server, answering from a knowledge base Connor wrote and reviewed, with hard rules: it can't quote you a rate, can't give tax advice, and can't promise you'll be approved. Only underwriting decides that. Your conversation isn't stored or sold — it disappears when you close the tab. For anything personal, it hands you to Connor, a licensed human.
A quick call. No script, nothing to pay me. If we're not a fit in the first few minutes, I'll say so.
Pick a time there and I call you. Or leave your number in the box, or call or text me straight away.
You'll leave knowing exactly where your family stands: the number, the company, and the monthly cost. Whether you buy is genuinely up to you.
$0 to work with me · Licensed in 12 statesNot ready to talk? Read first. I'll be here. Or buy online with Ethos ↗.