Protection for the people who matter most.
Find the life insurance path that fits your family, your goals and your budget, in about two minutes. Then talk directly with Lance, the broker who handles your case from start to finish.
No exam to get started. No obligation. Nothing sold to lead lists.
What are you trying to protect?
You don't need to know the difference between term, whole life and IUL. Tell us the goal and DAVEEDA Coverage Match tells you which path to learn about.
A private two-minute advisor, then a real person
What you're protecting, roughly how much, and a few basics. Nothing invasive. Answers stay with DAVEEDA.
Coverage Match names the path that fits, the coverage range worth discussing, and why.
A 15-minute coverage review. He compares options from Ethos, American Home Life & many more known and trusted names in the industry, and shows you the actual numbers side by side.
Apply online or by phone, often with no exam. Lance stays your contact after the policy is issued.
You don't get passed around. Lance handles your case.
“I'm independent, which means I work for you and not for one insurance company. I'll show you the two or three options that actually fit, tell you honestly when the cheaper one is the better one, and I stay your point of contact after the policy is issued.”
What working with Lance looks like
The broker you talk to on the discovery call is the one who places the policy and picks up when you call two years later.
Independent means no quota for any one carrier. If a $30 term policy does the job, that's the recommendation.
Coverage Match asks what it needs to prepare the conversation. Medical detail stays between you, Lance and the carrier at application.
Client reviews are added here only with written permission. Ask Lance for references.
How much protection is worth talking about?
Move the sliders. This is the same math a good broker starts with: income to replace, debts to clear, savings that help.
Educational estimate of a coverage amount to discuss, not a quote. Lance refines it with you.
Based on replacing $85,000 a year for 20 years, clearing $250,000 of debt and counting $40,000 in savings.
Turn this into my coverage pathOnly life insurance. Explained in plain English.
Term Life
The most coverage for the least money, for the years your family depends on you most.
- Parents with kids at home
- Households that rely on one or two incomes
- Anyone who wants $250K to $2M+ of coverage on a budget
Mortgage Protection
Make sure your family keeps the house, no matter what.
- New homeowners and anyone who recently refinanced
- Families where losing one income would put the home at risk
- People who want coverage that lines up with their mortgage term
Whole Life
Guaranteed lifetime coverage that builds guaranteed cash value.
- People who want coverage that never expires
- Final expense and legacy planning
- Parents and grandparents who want to lock in coverage for children
IUL
Permanent protection with cash value interest linked to a market index, with downside protection from negative index years, subject to policy charges, caps and participation rates.
- High earners who have maxed out 401(k) and IRA contributions
- Business owners and professionals planning tax-advantaged retirement income
- Parents funding a policy on a child for long-term growth
Which path does what?
| Path | How long it lasts | Cash value | Relative cost | Usually chosen for |
|---|---|---|---|---|
| Term | 10 to 30 years | No | Lowest | Income replacement while the family depends on you |
| Mortgage Protection | Matched to the mortgage | Usually no (return-of-premium optional) | Low | Keeping the house in the family |
| Whole Life | Lifetime | Yes, guaranteed | Higher | Final expenses, legacy, guarantees |
| IUL | Lifetime | Yes, index-linked with a floor on crediting | Set by how you fund it | Permanent protection plus tax-advantaged accumulation |
Frequently asked questions
How much life insurance do I need?
Start with the income your family would need to replace, for how many years, plus debts to clear, minus savings. The calculator above gives a first range; Coverage Match and Lance refine it.
Do I have to take a medical exam?
Not always. Many carriers offer accelerated or no-exam underwriting for healthy applicants. It depends on age, coverage amount and health history; Lance will tell you which carriers fit before you apply.
Is a broker more expensive than buying direct?
No. Premiums are filed with the state and are the same whether you buy through a broker or direct. The carrier pays the broker, so you get advice at no extra cost.
What if I already have coverage through work?
Group coverage is a great start but usually only one to two times salary, and it ends when you leave the job. Most families need a personal policy on top of it.
Term or whole life, which is better?
Neither in general. Term is the most affordable way to cover a set period. Whole life and IUL are for permanent needs and cash value. Many families use a large term policy plus a smaller permanent one.
What happens on the coverage review?
Fifteen minutes. Lance confirms your goals and health basics, explains the two or three options that actually fit, and shows real quotes. No pressure, no obligation.
Answer a few questions. Understand your options. Protect what matters.
DAVEEDA Coverage Match takes about two minutes. Or call Lance directly at (586) 846-5277.