Find life insurance that fits your family and your budget
Licensed broker Henry Falcon explains your options in plain language, in English or Spanish, so you can protect what matters most.
You probably don't need a policy that pays for everything
Most brokers sell one-size-fits-all coverage. I help you match life insurance to what you actually own, owe, and want to leave behind.
Mortgage protection
A policy designed so your family can keep the house if you're gone. We compare plans that match your remaining loan.
Living benefits
Access part of your death benefit early if you face a qualifying health event like cancer or a heart attack. It's in the fine print, so I'll point it out.
Final expenses
Coverage that handles funeral costs and unpaid bills so your loved ones aren't left with the tab. Simple, affordable, and easy to understand.
Family protection
Income replacement that helps your family keep their routine if you pass away. We size the coverage to your income, not a sales target.
Income protection
A plan that replaces a portion of your take-home pay, so the mortgage and groceries stay covered during the tough years.
Coverage options that match how you want to protect your family
Compare the main coverage types side by side. Every plan is explained in plain terms, so you know exactly what you're getting before you apply.
Mortgage protection
Quote-based
no obligationCoverage designed to help your loved ones pay off the mortgage if you pass away.
Helps cover mortgage balance
Benefit paid to your family
Terms match your loan
Simplified application
Income protection
Quote-based
no obligationReplaces a portion of your income so your family can cover daily bills and living costs.
Helps replace lost income
Covers everyday expenses
Flexible benefit amounts
Final expenses
Quote-based
no obligationCovers funeral costs, medical bills, and other end-of-life expenses so your family isn't left with the tab.
Covers funeral costs
Pays out quickly
Smaller benefit amounts
Legacy planning
Quote-based
no obligationLeaves a financial gift for your family, a cause you care about, or the people who matter most.
Names your beneficiaries
Builds a lasting gift
Aligns with your goals
Straight answers about eligibility, underwriting, and costs
Quick answers to common questions. Need more detail? Just ask.
Do I qualify for life insurance if I have health issues?
Maybe. Many plans are available even with chronic conditions. We look at your health history, your age, and the coverage amount. Every carrier approves differently, so we help find the one most likely to say yes for your situation.
What does underwriting involve?
Underwriting is the carrier's review of your application to set your rate. It usually means answering health questions, and sometimes a phone interview or a quick medical check. The process takes a few days, and we guide you through every step.
Can I get coverage without a medical exam?
Yes, some plans have limited or no medical exam requirements. They often cost more for the same coverage, but they're a solid option when you want to move quickly. We can compare exam and no-exam plans side by side.
How is my premium determined?
Carriers set your premium based on your age, health, tobacco use, and the amount of coverage you choose. Your occupation and hobbies can matter too. We explain what goes into the rate, so you're never guessing about the price.
What health questions are typically asked in the application?
You'll be asked about your medical history, current medications, height, weight, and any recent treatments. Expect questions about tobacco and alcohol use as well. We go over the application together so nothing surprises you later.
Are there any fees to work with your brokerage?
No. You won't pay us for our help. Our guidance comes from the carrier if you're approved for a policy, which means our service is free to you and never changes your premium. You pay only your premium directly to the insurance company.
Still have questions?
Let's talk through your situation and find a plan that fits. No pressure.
Your free quote starts with one conversation
Tell me about your mortgage, health, and budget. I'll lay out options that fit, in English or Spanish, with no obligation to apply.