Life Insurance Broker
As your life insurance broker, we know life insurance isn't just about the worst case — it's about protecting the people and plans that matter most. Based in Bethany, Oklahoma, we'll help you compare coverage options at the right price, with no pressure and no cost to you. Serving clients in Oklahoma, Texas, and Florida.
★★★★★ Independent Oklahoma brokerage · Multiple carriers compared · No cost to you
Which Type of Life Insurance May Be Right for You?
The right choice depends on your budget, your goals, and how long you need protection. Term life covers a set period, while permanent options—including IUL and final expense whole life—are designed to last longer when policy requirements are met. We’ll help you compare the costs, benefits, and limitations.
Term Life Insurance
Coverage for a set period — typically 10, 20, or 30 years. Term life is often an affordable option for income replacement, mortgage protection, and helping protect your family during the years they may need it most.
Indexed Universal Life (IUL)
Permanent coverage with cash value that can earn interest linked to a market index, subject to policy limits. Your money is not directly invested in the market. Policy charges apply, and adequate funding is needed to keep coverage in force.
Final Expense Insurance
Smaller whole life coverage designed to help with funeral expenses, final medical bills, and other end-of-life costs. Many options are easier to qualify for, with some available without a medical exam.
Who Needs Life Insurance?
Life insurance may be worth considering when someone depends on your income, unpaid care, or financial support—or when you want to leave money for specific expenses. These situations can help you identify what to review.
Mortgage Protection
Your home is likely your biggest asset. Term life insurance can be structured to help pay off your mortgage balance, giving your family more options to stay in the home they love.
Seniors & Final Expense
Final expense coverage can help loved ones pay funeral expenses, final medical bills, and other remaining costs. We’ll help you compare benefit amounts, premiums, and any waiting periods based on your needs and budget.
Self-Employed & Business Owners
Your business is your legacy. Coverage can protect your business partners, cover overhead costs, or provide for your family while they navigate a transition.
Young Families
You have little ones counting on you. Life insurance can help make sure their future — from daily needs to college tuition — is protected if something happens.
How Much Life Insurance Do You Actually Need?
There's no one-size-fits-all answer — but these three guidelines can help you get in the ballpark before we sit down together.
Final Expense Only
If your children are grown and your mortgage is paid off, you may only need enough to cover funeral costs, medical bills, and any remaining debts — typically $10,000 to $25,000.
DIME Method
Add up your Debt, Income replacement (10 years), Mortgage balance, and Education costs for your children. This more detailed approach gives you a clearer picture of what your family would actually need.
The 10x Rule
A simple starting point: multiply your annual income by 10. This gives your family a cushion to cover lost income, pay off debts, and maintain their lifestyle while they get back on their feet.
Why Work With a Life Insurance Broker?
Going direct generally means one option. Working with CYA means we shop many top carriers to find the right fit for your health, budget, and goals.
Shop Multiple Carriers
We're appointed with dozens of top-rated life insurance companies — so instead of being locked into one carrier's pricing and underwriting, we compare your options and find the best fit for your specific situation.
No Cost to You — Ever
Our services are completely free to you. We're paid by the carrier when you enroll, which means you get expert guidance, personalized recommendations, and ongoing support without paying a dime more than you would going direct.
With You at Claim Time
Buying a policy is just the beginning. When something happens, you shouldn't have to fight an 800 number alone. As your broker, we’re here to help your family understand the claims process when it matters most.
Some of the Life Insurance Carriers We Work With
As an independent life insurance agency, we're not tied to any single plan. We compare options from many of Oklahoma, Texas, and Florida's most trusted life insurance carriers — so you find the right fit, not just the first option.
Aetna · Ethos · Mutual of Omaha · Transamerica · UnitedHealthcare
These are just some of the life insurance carriers we're appointed with — we work with additional companies depending on your state, coverage type, and situation. Plans and carrier availability vary by state, county, and product type. CYA Insurance Agency is an independent agency and is not affiliated with or endorsed by any carrier listed above.
Life Insurance FAQs
How much does life insurance cost per month?
The cost depends on your age, health, coverage amount, and the type of policy you choose. Term life can be surprisingly affordable for younger, healthier applicants, while permanent coverage and final expense policies are priced differently. We compare multiple carriers to help you find options that fit your budget.
Can I get life insurance if I have health issues?
In many cases, yes. Some options may be available with simplified underwriting or no medical exam, depending on the carrier and applicant.
What's the difference between term and whole life insurance?
Term life covers a set period, often 10, 20, or 30 years, and generally costs less than permanent coverage. Whole life is a type of permanent insurance designed to last your lifetime when required premiums are paid. It builds cash value. We’ll help you compare costs and benefits based on your needs.
How can I estimate how much life insurance I need?
Our free DIME calculator adds together your debts, income-replacement needs, mortgage balance, and education expenses to provide a helpful starting estimate. The result is educational and can be refined with a licensed agent.
How long does it take to get approved?
Approval times range from instant (for some term and final expense policies) to a few weeks if a full medical underwriting process is required. We help expedite the process by matching you with carriers that have efficient approval workflows.
Is life insurance through a broker more expensive?
No. Your premium is exactly the same whether you use a broker or go direct to the insurance company. The difference is that a broker works for you, shopping multiple carriers to ensure you get a strong value based on your situation.