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INDIVIDUAL COVERAGE
Protection Built Around You
Whether you're looking to protect your family, build long-term wealth, or plan for retirement, we have a solution. As an independent broker, Wes shops multiple carriers to find the best fit for your specific situation.
01
TERM LIFE
Affordable, fixed-term protection that secures your family's future without breaking the budget.
BEST FOR
Young families, new homeowners, income replacement
02
WHOLE LIFE
Lifetime coverage that builds real cash value over time. Protection that grows with you.
BEST FOR
Long-term security, legacy planning, wealth building
03
HEALTH INSURANCE
Covers routine and emergency medical costs so you're never caught off guard.
BEST FOR
Individuals, self-employed, families without employer coverage
04
IULS
Indexed Universal Life policies with long-term growth potential and built-in protection.
BEST FOR
Long-term wealth building, tax-advantaged growth, retirement planning
05
CRITICAL ILLNESS
A financial safety net for life's toughest moments — cancer, heart attack, stroke, and more.
BEST FOR
Anyone wanting a financial safety net for serious illness
06
ANNUITIES
Guaranteed income for retirement, paid out regularly so you never outlive your savings.
BEST FOR
Pre-retirees, retirement income planning, financial stability
OUR PROCESS
How It Works
01
BOOK A FREE CALL
Schedule a quick 15-minute call with Wes. He'll learn about your situation, your family, and what you're looking to protect. No pressure, no sales pitch.
02
GET YOUR OPTIONS
Wes shops across various carriers to find the coverage that fits your needs and your budget. He'll walk you through your options clearly and honestly.
03
GET COVERED
Once you've chosen your plan, Wes handles the paperwork and gets you set up quickly. Most policies are active within days of approval.
GROUP ENROLLMENTS
Benefits That Work as Hard as Your Team
Wes offers three specialized group enrollment options for businesses and organizations of all sizes. Whether you're looking to enhance your team's benefits or plan for their future, there's a solution that fits.
Wellness Supplement Benefit
Layer supplemental wellness coverage on top of your existing health plan. Options can include accident coverage, critical illness benefits, preventive care incentives, and more. Fills the gaps your primary plan leaves behind.
Voluntary Additional Retirement Options
Give employees access to opt-in retirement savings solutions they fund on their own terms. No employer contribution required. A meaningful benefit that helps attract and retain people without adding to your bottom line.
Benefits Package via TPA
A fully administered benefits package managed through a Third Party Administrator. The TPA handles claims processing, compliance, and plan administration so you get enterprise-level coverage without the overhead.
WHO WE SERVE
Coverage for Every Client
Families
Protecting the people you love most with the right coverage at the right price.
Business Owners
Group benefits and individual coverage for you and your employees.
Truckers
Flexible coverage that works around your schedule and your lifestyle on the road.
Veterans
Honoring your service with coverage options built around your unique needs.
First Responders
Supplemental coverage to fill the gaps your employer plan may not cover.
OUR PARTNERS
Trusted Insurance Carriers
We partner with top-rated providers so you get the best coverage at the best price — no guesswork, no stress.
Aetna
American Amicable
Americo
Ethos
TransAmerica
FAQ
Common Questions
Everything you need to know before your first call with Wes.
How much does life insurance cost?
It depends on your age, health, and the type of coverage. Term life can be very affordable — often less than $30/month for healthy individuals. Wes will shop multiple carriers to find your best rate.
Do I need a medical exam to get coverage?
Not always. Many of our carriers offer no-exam policies. During your call, Wes will help identify which options are available based on your health history and coverage goals.
What's the difference between term and whole life?
Term life covers you for a set period (10, 20, 30 years) at a lower cost. Whole life is permanent, never expires, and builds cash value over time. Both have their place depending on your goals.
Can I get coverage if I have a pre-existing condition?
Yes, in many cases. Some carriers are more flexible than others. Wes will be upfront with you about what's available and find the best option given your situation.
What is an IUL and is it right for me?
An Indexed Universal Life policy provides lifelong coverage while allowing your cash value to grow based on a market index. It can be a powerful tool for long-term wealth building and retirement income, but it's not for everyone.
How does group benefits work for small businesses?
Even businesses with just a few employees can offer group benefits. Wes will assess your team size, budget, and needs to build a package that works for you and keeps your employees covered.
How long does it take to get covered?
It varies by policy type. Some no-exam policies can be approved same-day. Others take 1-4 weeks. Wes will give you a realistic timeline upfront.
Is there any obligation after the first call?
None at all. The first call is just a conversation. Wes will give you your options and you decide if and when you want to move forward. No pressure, ever.
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