What That Means for You
Clear Guidance. Real Options. Coverage Built Around Your Life.
More Options. Clear Guidance. Coverage Built Around You.
Life insurance should fit your family, health, budget, and long-term goals, not the sales priorities of one insurance company.
As an independent life insurance broker, Life Insured By Chris compares coverage from more than 30 carriers and helps you understand your options before you decide whether to apply.
Call or Text Life Insured By Chris: (202) 641-5953
Free 15-minute coverage review • Licensed in 20 states • No obligation to purchase
What Working With an Independent Broker Means for You
More companies to compare
A representative who works for one insurance company can show you only that company’s products. Life Insured By Chris can compare options from more than 30 carriers offering term life, whole life, final expense, no-medical-exam coverage, mortgage protection, and indexed universal life insurance.That gives you more opportunities to find coverage aligned with your needs instead of settling for the only product available from one company.
Recommendations based on your situation
The right carrier can depend on your age, health history, medications, tobacco use, occupation, state, coverage amount, and budget.We learn what you are trying to protect before recommending a policy. You receive options based on your actual circumstances not a generic quote or one-size-fits-all sales presentation.
Simple explanations before you apply
Life insurance can involve unfamiliar terms, underwriting requirements, riders, exclusions, graded benefits, and policy charges.We explain what the policy covers, how long it lasts, what it may cost, and any important limitations so you can make an informed decision.
Better-aligned underwriting options
Insurance companies do not evaluate every health condition or risk factor in the same way. One carrier may be more competitive than another based on an applicant’s health, age, prescription history, or coverage objective.We identify carriers that may be better aligned with your profile. Final rates and approval are always determined by the insurance company after underwriting.
Support from application to activation
Choosing a policy is only one part of the process. We help you complete the application, respond to underwriting requests, review the final offer, and understand the steps required to place your coverage in force.You are never left wondering what comes next.
Ongoing policy support
Your relationship with Life Insured By Chris does not end when your policy is issued. We remain available to help you understand your benefits, review your coverage, update beneficiaries, address service questions, and navigate future changes.
Getting Started Is Simple
1. Tell us what you want to protect
We begin with your family responsibilities, income, mortgage, debts, existing coverage, financial goals, and preferred budget.
2. Compare available options
We review coverage from multiple insurance companies and explain the policies that may fit your needs and eligibility.
3. Choose with confidence
You decide whether any option is right for you. If you choose to apply, we guide you through the application, underwriting, and policy-delivery process.
Compare My Options in 15 Minutes
One Company’s Quote Is Not the Whole Market
The least expensive advertisement is not always the best policy, and a decline from one insurance company does not necessarily mean that every carrier will make the same decision.
Carriers can differ in:
- Premium rates
- Health and prescription guidelines
- Tobacco classifications
- Available coverage amounts
- Medical-examination requirements
- Term lengths
- Conversion privileges
- Living benefit riders
- Final expense benefit structures
- Cash-value features
- State availability
Our job is to help you compare the details that can affect both your approval and the long-term value of your coverage.
Coverage for Different Needs and Stages of Life
Term Life Insurance
Affordable coverage for a specific period, often used to replace income, protect children, cover a mortgage, or provide protection during your working years.
Whole Life Insurance
Permanent coverage with premiums and guarantees defined by the policy. Whole life may be used for final expenses, lifelong protection, or legacy planning.
Final Expense Insurance
Smaller permanent policies designed to help beneficiaries manage funeral costs, medical bills, and other end-of-life expenses.
Compare Final Expense Coverage
No-Medical-Exam Life Insurance
Streamlined coverage that may not require a medical examination. Health questions, prescription checks, and other underwriting may still apply.
Mortgage Protection
Coverage intended to help loved ones continue making mortgage payments or pay down the balance if an insured homeowner dies.
Learn About Mortgage Protection
Indexed Universal Life Insurance
Permanent life insurance with flexible features and cash-value growth potential tied partly to a market index. IUL requires careful funding and is not a direct stock-market investment.
Product availability, rates, underwriting, riders, and benefits vary by carrier, applicant, and state.
What We Compare for You
We look beyond the initial monthly premium. Your comparison may include:
- Appropriate coverage amount
- Policy type and term length
- Initial and future premium structure
- Underwriting requirements
- Health-condition guidelines
- Medical-examination requirements
- Level, graded, or modified benefits
- Available living benefit riders
- Term conversion provisions
- Cash-value features and assumptions
- Policy exclusions and limitations
- Financial-strength information
- State-specific product availability
The goal is not simply to find the lowest preliminary quote. It is to help you find coverage that fits your needs, offers realistic approval potential, and remains manageable within your budget.
Who We Help
Families and parents
Protect income, housing, childcare, education, and the people who depend on you.
Homeowners
Help ensure a surviving spouse or family member has money available for mortgage payments and household expenses.
Working professionals
Supplement employer-provided insurance with individually owned coverage that does not automatically disappear when you leave a job.
Veterans
Compare personal life insurance options for protection after separation, retirement, or changes in military benefits.
Adults with health concerns
Explore carriers and products that may consider different medical histories, prescriptions, and chronic conditions.
Seniors
Compare term, whole life, final expense, simplified-issue, and guaranteed-issue options based on age, health, and coverage goals.
First-time buyers
Receive straightforward explanations without being expected to understand insurance terminology before the conversation begins.
Find Coverage for My Situation
Personal Guidance From Christopher Franklin
When you contact Life Insured By Chris, you are not passed between anonymous sales representatives.You work with Christopher Franklin, an independent life insurance broker licensed in 20 states. Christopher helps clients compare carriers, understand their policy choices, and move through the application process with clear, personal guidance.You will never be pressured to purchase a policy that does not fit your needs or budget. If another carrier or coverage structure appears to be a better fit, that is what we will discuss.
Frequently Asked Questions
Does using an independent life insurance broker cost more?
Applicants generally do not pay a separate fee for an insurance broker’s assistance. If a policy is issued, the insurance company typically compensates the licensed broker. Your premium is determined by the carrier based on the policy and underwriting classification.
Are you affiliated with one insurance company?
No. Life Insured By Chris is an independent brokerage and is not owned by or exclusively affiliated with one insurance company.
How many insurance companies do you compare?
We have access to more than 30 carriers. The companies reviewed for you will depend on your state, age, health, coverage needs, and product availability.
Can you guarantee that I will be approved?
No broker or agent can guarantee approval or a particular rate. The insurance company makes the final decision after reviewing the application and applicable underwriting information.
What if I have a medical condition?
Health conditions do not automatically prevent someone from obtaining life insurance. Different carriers evaluate conditions differently. We can help identify options that may be appropriate, but approval and pricing remain subject to underwriting.
Will I need a medical examination?
Not always. Many policies use accelerated or simplified underwriting and may not require an examination. Other applications may require medical records, laboratory work, or a paramedical examination.
What happens during the 15-minute coverage review?
We discuss what you want to protect, your desired coverage, budget, state, general health, tobacco use, and preferred policy type. If appropriate, we then identify potential options and explain the next steps.
Am I required to purchase a policy?
No. The initial coverage review is intended to help you understand your options. You decide whether to proceed.
Can you help after my policy is issued?
Yes, we can assist with general policy-service questions, coverage reviews, beneficiary updates, and communication with the issuing carrier. Certain requests must be completed or approved directly by the insurance company.
See What Life Insurance Options May Be Available To You
You do not have to compare dozens of insurance companies or interpret every policy by yourself.In approximately 15 minutes, we can learn what you need, identify potential coverage options, and explain the next step. There is no cost for the initial coverage review and no obligation to purchase.
Or call or text (202) 641-5953
Monday–Friday, 8:00 AM–5:00 PM Eastern Time
Saturday appointments available by request
Life Insured By Chris is an independent life insurance brokerage and is not owned by, operated by, or exclusively affiliated with any insurance company. Product availability, policy features, premiums, underwriting decisions, and approval depend on the carrier, state, and applicant. Coverage is not effective until the issuing insurance company approves the application, all delivery requirements are satisfied, and any required premium is received.
Want a custom coverage strategy? Book your free 15-minute consultation today. https://www.lifeinsuredbychris.com/schedule-a-consultation or call/text Life Insured By Chris directly: (202) 641-5953 Mon-Fri, 8am-5pm (EST) |
