Protect income, pay off debt, fund education, and leave a legacy. We compare multiple carriers side-by-side and tailor coverage to your goals and budget—without pressure.
We’ll help you choose the right policy and riders, then guide you through application and underwriting.
Highest death benefit per dollar for 10–30 years. Great for income replacement and mortgages while kids are home.
Lifetime protection with guaranteed cash value growth and fixed premiums.
Flexible premiums and adjustable death benefit; cash value credited with interest or linked to an index (IUL).
Smaller permanent policies designed to help with end-of-life costs. Simplified underwriting available.
Accelerated death benefit (terminal/critical/chronical illness), waiver of premium, child/Spouse term, accidental death, long-term care riders.
Being independent means we shop ALL these carriers to find YOUR best rate and coverage.
Final expense and whole life specialist with a long track record of serving working families. Strong simplified-issue options for seniors.
Simplified issue term and final expense products — often no medical exam required. Fast approvals and straightforward coverage.
Major national carrier offering term, whole, and universal life. Competitive rates across a wide range of health classifications.
Fraternal benefit society with a mission-driven approach to whole life and term. Member benefits and community focus set them apart.
A household name in insurance. Solid final expense and term life products backed by one of the country's most recognized brands.
Carrier availability varies by state and product. We continuously evaluate options to ensure we're recommending the most competitive, financially strong carriers available.
A common starting point is 10–12× your annual income, then tailor for debts, college, and survivor income needs. We’ll run a quick needs analysis together so you’re not over- or under-insured.
$80,000 income × 12 = $960,000 baseline.
Add $240,000 for two kids’ college + $250,000 remaining mortgage =
~$1.45M target. We’ll price options across several carriers and terms.
Tell us a few basics and we’ll show level-premium quotes from multiple top-rated carriers.
Term premiums are level for the term you choose. Whole life is fixed for life. Universal life has flexible funding; guarantees depend on policy design and funding.
Many applicants qualify for accelerated underwriting (no exam) based on age, health, and face amount. If an exam is needed, it’s quick and at your convenience.
Some riders must be elected at issue; others may be added with evidence of insurability. We’ll design it right at the start so you’re covered.
We’ll right-size coverage and can blend strategies (e.g., term now with future conversion) to stay affordable.
Because we’re independent, we have no loyalty to any single company — our only loyalty is to you, the client. Every carrier has different strengths: some excel at final expense, others at competitive term rates for specific health profiles, others at whole life with strong dividend histories. We shop your profile across all the carriers we represent, compare rates and financial ratings side-by-side, and recommend the one that genuinely fits your goals and budget. You’ll never be steered toward a plan because it pays a higher commission — that’s the independent difference.
Trusted tools and reading to help you make confident decisions — we’re happy to walk through any of these together.
Links provided for convenience. We are not affiliated with or endorsed by these organizations.
Disclosure: Intentional Health & Wellness Solutions is an independent insurance agency. Product availability, underwriting, and features vary by carrier and state. Quotes are for illustrative purposes and are not a contract, offer, or guarantee of coverage. Policy loans/withdrawals may reduce cash value and death benefit and can have tax implications. We do not provide tax or legal advice; consult your professional advisors.
Contact us to review full carrier brochures and policy details.
