Your Life Insurance Broker in Oklahoma
Life insurance isn't just about the worst case — it's about protecting everything you've built. We'll help you find the right coverage at the right price, with no pressure and no cost to you.
Which Type of Life Insurance Is Right for You?
Term Life Insurance
Indexed Universal Life (IUL)
Final Expense Insurance
Coverage for a set period — typically 10, 20, or 30 years. The most affordable option and ideal for income replacement, mortgage protection, or covering your family during their most vulnerable years. Simple, straightforward, and budget-friendly.
Permanent life insurance that builds cash value tied to a market index — giving you growth potential without direct market risk. A powerful tool for long-term wealth building, tax-advantaged savings, and lifelong protection all in one policy.
Affordable whole life coverage designed to take care of end-of-life costs — funeral expenses, medical bills, and outstanding debts. No medical exam required, coverage typically ranges from $5,000 to $25,000, and most applicants qualify regardless of health history.
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.
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.
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.
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.