The Life Insurance Playbook: A Broker’s Guide to Getting Covered Right

Christopher Franklin

Christopher Franklin is an independent life insurance broker dedicated to helping individuals, veterans and families secure the right coverage with confidence. Through Life Insured By Chris, he provides access to a wide range of top-rated carriers offering personalized solutions for term life, whole life, final expense, and no medical exam policies. His approach is simple: make the process fast, transparent, and tailored to your needs.

Whether you're looking for affordable protection, lifelong coverage, or quick approval without exams, Christopher helps you compare options, avoid overpaying, and get covered with ease.

Explore your options, get a quote, and find the right policy without the guesswork.

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Yes, and here's how. Discover 5 ways to access your life insurance cash value while you're still alive, including loans, surrenders, and living benefit riders.

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7 min read

Understand exactly how whole life insurance cash value is calculated, grows over time, and what it means for your financial plan.

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7 min read

Find out exactly how long it takes beneficiaries to receive life insurance payouts in 2026. Learn what causes delays and how to speed up the process.

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6 min read

Learn exactly how to file a life insurance claim, what documents you need, and how long the process takes. Step-by-step guide from an independent broker.

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6 min read

If you own a business and die without a plan in place, your family and your business both suffer. Here's what every small business owner needs to know about life insurance in 2026.

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5 min read

Young couples are in the best position to lock in life insurance at the lowest rates they'll ever see. Here's exactly what young couples need, how much it costs, and the most common mistakes to avoid.

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5 min read

No spouse. No kids. You might think you don't need life insurance. But co-signed loans, aging parents, funeral costs, and future plans tell a different story. Read the honest answer.

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5 min read

Discover all the ways to access money from your life insurance policy while alive or as a beneficiary. Learn about loans, withdrawals, surrenders, and accelerated benefits.

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7 min read

Yes, you can have multiple life insurance policies. Learn how multiple policies work, how claims are paid, and whether stacking coverage is right for your family.

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7 min read

Term life is cheaper. Whole life lasts forever and builds cash value. Neither is universally right. Here's the honest comparison, with real numbers, to help you decide which fits your life.

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5 min read

No medical exam life insurance can approve you in 24–72 hours. But not all carriers are equal. Here's an honest comparison of the best no-exam options in 2026 — and which one fits your situation.

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6 min read

See what $500K in term life insurance actually costs at every age in 2026. Spoiler: it's cheaper than you think at 25 and more expensive than you expect at 45. Get your real rate in 15 minutes.

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6 min read