Independent Life Insurance Brokerage
Protection, refined.
For the people you love.
From final expense to term and whole life — we shop the entire market to find coverage that fits your situation, your health, and your budget. No scripts. No pressure. Just honest protection.
- Licensed in 7 states
- Multi-carrier access
- $0 cost to you
Prefer to talk? Call a licensed agent now — (203) 598-8882
Free · No Obligation
See what you qualify for — in minutes.
- Final expense, term, whole life & more
- No medical exam options available
- $0 cost to you, ever
Takes about 2 minutes
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States Licensed
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Top Carriers
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Independent
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Cost to You
Why Choose Us
We work for you,
not the insurance companies.
not the insurance companies.
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Multiple Carriers, One AgentWe shop the entire market to find you the best rate — not just one company's options.
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Your Situation Comes FirstWe listen to your health, family, and budget before we ever recommend a product.
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No Pressure. Ever.We give you honest information and a clear recommendation. The decision is always yours.
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Health Profile MatchingWe match your unique health profile to the carrier that will give you the best rate.
How It Works
Three simple steps to real protection.
No gimmicks, no sales tactics. Just a proven process that puts your family first.
01
We Listen
We ask about your situation — your health, your family, your goals, your budget. No pitch until we understand your full picture.
02
We Match
Based on what you've shared, we find the product and carrier that fits — not the highest commission, not a one-size-fits-all plan.
03
You Decide
We give you honest information and a clear recommendation. What you do with it is completely up to you — on your timeline, not ours.
Our Products
Coverage that actually protects what matters.
Whether you need affordable final expense coverage or a comprehensive family plan, we match you with exactly what fits.
Coverage starting at $1 a day · see what you qualify for
Term Life Insurance
Affordable coverage for a specific period — protect your family during the years that matter most.
- 10, 20, and 30-year terms
- Lowest premium option
- Convertible to permanent
Final Expense Insurance
Affordable whole life coverage designed to handle funeral costs, medical bills, and end-of-life expenses — so your family never has to worry about money during the hardest time.
- No medical exam required
- $5,000 - $50,000 coverage
- Quick simple approval
- Same-day decisions available
Whole Life Insurance
Permanent coverage that builds cash value over time — protection that lasts your entire lifetime.
- Guaranteed death benefit
- Cash value accumulation
- Fixed premiums forever
Universal Life Insurance
Flexible permanent coverage with adjustable premiums and death benefits as your life changes.
- Flexible premiums
- Adjustable death benefit
- Indexed & variable options
Business Life Insurance
Protect your business with key person coverage, buy-sell funding, and executive benefits.
- Key person protection
- Buy-sell agreement funding
- Business continuity
Child Head Start Program
Give your child a financial head start with a life insurance policy that builds cash value from day one — a gift that grows with them.
- Locked-in low premiums
- Cash value accumulation
- Guaranteed future insurability
Not Sure Where to Start?
Let us help you choose.
Answer a few quick questions and we'll recommend the right coverage for your situation.
How old are you?
Your age helps us determine the best type of coverage.
Do you have dependents?
People who rely on your income — spouse, kids, aging parents.
What's your main goal?
There's no wrong answer — this helps us narrow things down.
What's your monthly budget?
This helps us find the most coverage within your comfort zone.
Client Reviews
What our clients are saying.
Hear from families just like yours.
★★★★★
Honestly didn’t expect it to be that easy. Clint handled pretty much everything and I had a policy within a week.
★★★★★
We kept saying we’d get life insurance “after the baby comes” but Clint got us to stop procrastinating. One phone call and he laid it all out — what we actually needed vs. what we didn’t. Both policies were done before our daughter was born. Wish we’d called sooner.
★★★★★
Had to get my mom final expense coverage and I was totally lost. They were really patient with us — explained everything without making it weird. My mom actually felt okay talking about it which surprised me. Got her set up that same week.
★★★★★
No runaround, no pressure. I shopped around a lot before this and their rate beat everything else I found. Would definitely recommend.
★★★★★
Wanted to get my boys covered young so they’d be locked in for life. I talked to a few brokers but Clint was the only one who actually explained how the cash value part works in a way that made sense. Both kids are covered now and I can already see the value growing. Really glad I did it early.
★★★★★
Turns out I was way overpaying on the policy my last agent put me in. They looked at everything and moved me to a universal life plan — more flexible and $60/month cheaper. Kicking myself for not switching sooner.
★★★★★
Two other brokers basically told me I couldn’t get covered because of a pre-existing condition. Ingot knew exactly which carrier would work. Got approved no problem.
★★★★★
A friend of ours passed away suddenly and it kind of shook us into finally doing this. Called Ingot the next morning. Clint actually talked us OUT of whole life — said term made way more sense for our situation with the mortgage and kids’ college. Saved us a ton of money. That kind of honesty is why we’ve sent three other families his way.
★★★★★
Single mom here — I always assumed life insurance was out of my budget. Turns out a $300K policy costs me less than my Netflix and Hulu combined. Clint never made me feel like I was wasting his time even though I had a million questions.
Frequently Asked Questions
Everything you need to know.
Straight answers to the most common questions about life insurance and working with us.
It depends on your age, health, coverage amount, and the type of policy. A healthy 30-year-old can often get a $500,000 term policy for under $30/month. We'll find you the best rate across multiple carriers — at no cost to you.
Not always. We offer both exam and no-exam options. Final expense policies and some term plans require no medical exam at all. We'll match you with the right path based on your health and coverage needs.
Term life covers you for a set period (10, 20, or 30 years) at a lower cost. Whole life covers you for your entire lifetime and builds cash value. We'll help you decide which makes sense for your situation and budget.
A common guideline is 10-15x your annual income, but the real answer depends on your debts, dependents, income, and goals. We'll walk through your specific situation and recommend an amount that actually protects your family.
Correct. Our service is completely free to you. We are compensated by the insurance carriers, and the rate you pay is the same whether you go direct or through us. You get our expertise and carrier access at no extra charge.
That's exactly where an independent broker shines. Different carriers underwrite health conditions differently. We know which carriers are lenient on diabetes, which ones favor former smokers, and so on. We'll match your profile to the best fit.
From first conversation to policy approval, it typically takes 2-4 weeks for fully underwritten policies. No-exam policies can be approved in as little as 24-48 hours. We keep you informed every step of the way.
Yes. Many term policies are convertible to permanent coverage without a new medical exam. You can also adjust coverage amounts on universal life policies. We'll help you plan for flexibility from day one so you're never locked in.
Free Tools & Guides
Plan with confidence — before you ever talk to us.
Run the numbers, see exactly how a claim is handled, and download a planning checklist. No email required to look around.
Calculator
How much coverage do you need?
Answer four quick questions and get an instant, no-pressure estimate of the right coverage range for your family.
Open the calculator →
Claims Guide
See exactly how claims work.
We don’t disappear after the sale. Walk through the four-step process your family follows — and how we handle it for them.
View the process →
Free Download
The planning checklist.
A free 10-point checklist covering coverage amounts, policy types, and the mistakes to avoid before you buy.
Get the checklist →
“
No family should have to choose between grieving and surviving. That’s the promise behind every conversation I have.
Clint Stergue · Founder
Let's have a real conversation.
Prefer to talk? Call us directly and a licensed agent will walk you through your options on the spot.
Email
"You will not get a scripted pitch. You will get a real conversation."