An independent life insurance agency · 49 states
Protect what you’ve built.
Protection first. Planning beyond it.
We are an independent agency. No carrier tells us what to recommend, so our agents start with your life instead of a product — and tell you plainly when the answer is to keep what you already have.
Independent means no single carrier tells us what to recommend. Every agent of the firm is individually licensed and verifiable free at nipr.com.
How every agent here works
Four questions before any recommendation.
Most people get shown a quote before anyone asks what the policy is supposed to do. We do it in the other order, every time.
- Why are we talking?What changed, or what worried you enough to pick up the phone.
- Why does it matter?Who is actually depending on this, and what happens to them if nothing is in place.
- What should the policy accomplish?Every policy has one job. We name the job before we name a product.
- What fits comfortably?A premium you can still pay in ten years. Coverage that lapses protects nobody.
Then one recommendation. Not five options in your lap.
What we do
Coverage built around a purpose.
Every policy exists to do a specific job. We name the job first, then choose the tool.
Term life
Large protection for the years the family depends on your income.
Whole life
Permanent coverage with guarantees, when the need never goes away.
Mortgage protection
So the house stays the family’s house.
Final expense
Simplified and guaranteed-issue coverage for burial and last bills.
Living benefits
Access to your own death benefit during a serious illness.
Income protection
Replacing a paycheck for the people who spend it.
Legacy planning
Leaving something intentional, tax-efficiently.
Policy review
A second opinion on what you own, and whether it still does the job.
Advanced planning
Secure retirement income, executive plans, college, debt and cash-value strategies.
From the work
The conversations that shaped how we work.
These are real. Details are changed to protect the families. None of them are told to frighten anyone; they are told because they are why the four questions come first.
An older couple decided to keep the $99 a month. Two weeks later his wife called from the hospital. He had suffered a heart attack, and the decision was no longer entirely theirs to make.
Why health buys options · ReadA mother asked for a review of the policies she had been faithfully funding for her children. They were built for death benefit. She thought she was building cash value. She wasn’t doing anything wrong; the product just wasn’t doing her job.
Why reviews matter · ReadA woman who had been declined twice was sure she couldn’t be insured. Nobody had ever explained guaranteed-issue whole life to her. She has coverage now.
After a decline · ReadWho we are
An independent agency, built on one standard.
We are an agency, not a captive shop. Our agents hold their own licenses, place business with more than twenty carriers, and are accountable for the advice they give. It was founded by Caleb Bullard — an Army veteran and former police officer — on the premise that the unexpected is not hypothetical, and every agent who joins is held to that standard.
Insights
Plain answers, in writing.
Find your starting point
What are you trying to accomplish?
Pick the one closest to your situation. You’ll get a short, plain explanation of how we would approach it and what to read next. No form, no quote, until you want one.
What brought you here?
Start where it makes sense.
Protect what matters
Book a consultation
A 20-minute call with one of our agents. No quote until we know what the policy is for.Already covered
Get a second opinion
Employer coverage, old policies, children’s policies. We read the fine print with you.Not sure where to start?
Watch the introduction
Who we are, what we do, and how each strategy helps a family. Two minutes.Licensed, or thinking about it