The INS Broker — Life, Health & Annuity Coverage Done Right
Life · Health · Annuity Brokerage

Protect your people. Protect your future.

Most people buy life or health insurance from whoever calls first — and lock in the wrong product for 20 years. We're the brokerage that compares carriers, reads the fine print, and structures life, health, and annuity coverage around your real life and your real timeline.

Licensed broker Multiple A-rated carriers No fee to quote

Free 15-Minute Coverage Review

See where you're over-paying, under-protected, or in the wrong product.

  • We audit your current life & health policies
  • Identify coverage gaps & outdated products
  • Show side-by-side carrier & annuity options
  • You decide — zero pressure, zero fee

The problem with most insurance.

Captive agents only sell what their one company offers. The result? You pay too much, get too little, and find out at the worst possible moment.

01

One-Carrier Quotes

You're shown one option and told it's the best. It's the best they have — not the best on the market.

02

Coverage Gaps

Cookie-cutter policies miss the things that actually matter: business assets, umbrella protection, life-stage transitions.

03

No Advocate at Claim Time

When something goes wrong, you're on hold with a 1-800 number. We pick up the phone and fight for the claim.

What we broker.

Three product lines. Quoted across A-rated carriers that fit your age, health, and goals — never whoever pays the highest commission.

Protect Your People

Life Insurance

From temporary income replacement to permanent legacy planning — structured around your real timeline.

  • Term life (10, 20, 30 year)
  • Whole life
  • Universal life (UL)
  • Indexed universal life (IUL)
  • Final expense & burial coverage
  • Key person & buy-sell funding
Protect Your Body

Health Insurance

The right health plan depends on your situation — we shop the marketplace and private carriers so you don't have to.

  • Individual & family major medical
  • ACA marketplace plans
  • Short-term medical coverage
  • Supplemental: dental, vision, accident
  • Medicare Supplements & Advantage
  • Critical illness & hospital indemnity
Protect Your Future

Annuities

Guaranteed income strategies that turn retirement savings into a paycheck you can't outlive.

  • Fixed annuities
  • Fixed indexed annuities (FIA)
  • Immediate annuities (SPIA)
  • Deferred annuities
  • Income & long-term care riders
  • 401(k) & IRA roll-over strategy

How we work.

Four steps. No high pressure. You only move forward if the numbers and the coverage make sense.

01

Discovery Call

15 minutes. We learn your age, health, dependents, retirement timeline, and what you already have in place.

02

Audit & Strategy

We review your existing policies line by line — coverage amounts, riders, cash value, and whether the product still fits.

03

Carrier Comparison

You see real quotes from multiple A-rated carriers side by side, with the trade-offs explained in plain English.

04

Apply & Support

We handle the application, underwriting, and policy delivery. Your broker stays your broker — for the life of the policy.

Questions, answered.

Does it cost anything to get quotes?
No. Brokers are paid by the carrier when a policy is issued — never by you. Quotes, comparisons, and reviews are free.
How is a broker different from a captive agent?
A captive agent represents one insurance company and sells their products. A broker represents you and shops the market across multiple A-rated carriers to find the right fit for your age, health, and goals.
Do I have to take a medical exam for life insurance?
Not always. Many carriers now offer no-exam life policies up to certain coverage amounts, using digital health records and questionnaires instead. We'll show you both options so you can compare price vs. convenience.
I already have a life policy. Should I replace it?
Maybe — maybe not. We review what you have first. Older policies sometimes have benefits that aren't available today, and replacing them would be a mistake. Other times, premiums and product design have improved dramatically. We tell you the truth either way.
Are annuities right for me?
Annuities aren't for everyone. They're powerful for guaranteed income, principal protection, and tax-deferred growth — and they're wrong for someone who needs liquidity or has a short time horizon. We won't recommend one unless it genuinely fits.
Which states do you serve?
[PLACEHOLDER — list your licensed states here. Life, health, and annuity licensing is state-specific, so this needs to be accurate.]
Start Here

Find out what you're actually paying for.

15 minutes. No obligation. You'll walk away knowing exactly where you stand — even if you never become a client.

Book My Free Review

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