Four Simple Steps to an Unbreakable Safety Net
Protecting your family shouldn't be a second job. We’ve streamlined the process so you can go from "unprotected" to "peace of mind" without the stress.
Protecting your family shouldn't be a second job. We’ve streamlined the process so you can go from "unprotected" to "peace of mind" without the stress.
We begin by understanding the "why" behind your search. Whether you use our digital quote tool or book a 15-minute chat, we gather the essentials: your family's needs, your financial goals, and your budget.
The Goal: To define exactly what your "wall of protection" looks like.
This is where the EPIC advantage kicks in. As an independent broker, we take your requirements and scan over 80 of the nation’s top-rated carriers.
The Goal: To find the highest level of coverage at the lowest possible price point.
We don't just dump a list of prices on your lap. We present a clear, jargon-free comparison of the top 3 options that fit your family. We’ll explain the differences between Term, Whole, or Universal options so you can choose with confidence.
The Goal: 100% clarity before you spend a dime.
Once you’ve selected your plan, we handle the heavy lifting. We’ll guide you through the application, coordinate any necessary (often digital) health checks, and push the paperwork through to approval.
The Goal: To get your policy in force so your family is shielded permanently.
A good rule of thumb is 10 to 15 times your annual income. However, we also look at your specific debts, like your mortgage, and future expenses, like college tuition, to find a number that truly protects your family’s lifestyle.
For most healthy adults, a Term Life policy can cost less than a monthly streaming subscription. Because we shop 50+ carriers, we are almost always able to find a plan that fits comfortably within your monthly budget.
Not necessarily. Many of our partners now offer "No-Medical Exam" or "Accelerated Underwriting" policies that use digital health data to approve you in minutes rather than weeks.
That is exactly why you use a broker. Some companies are stricter than others regarding certain health issues. We know which carriers are the most "friendly" toward specific conditions (like high blood pressure or diabetes) and will shop accordingly to find you the best rate.
Big brands only sell their own products. If their price is high, their agent can't offer you a cheaper competitor. As a broker, we have no "brand loyalty"—our only loyalty is to your family. We compare the big brands against each other to ensure you never overpay.
Through our digital partners, you can sometimes be covered the same day. For more complex or larger policies, the traditional process can take 2–4 weeks. We provide updates every step of the way.