A plan for the people who count on you.
Summit Wealth Group is an independent agency. We compare mortgage protection, indexed universal life, whole life, final expense, annuities and term across 30 carriers, explain the trade-offs in plain language, and handle the application end to end. You work with one licensed advisor, not a call center.
Three ways to buy life insurance. Only one of them works for you.
A captive agent can only sell one company's products. An online quote engine shows a price but not whether that carrier will actually approve you at that price. An independent advisor is paid the same by every carrier, so the only reason to recommend one is that it is the right fit.
Five questions. The right kind of policy, before anyone quotes you one.
Most people are sold whatever the agent sells. Answer these and we will tell you which of the six policy types fits your situation, and why, so the first call starts in the right place.
David will reach out within one business day. Nothing else to do.
Six kinds of policy. Each does a different job.
We talk about who depends on you, what you owe, and what you want the money to do. You leave with a coverage number and a price range.
Every carrier underwrites health differently. We pre-screen your profile against 30 carriers and bring back the two or three that will price you best.
We complete the application together. Many carriers approve in days with no exam. If one is required, a nurse comes to you.
What to expect, so there are no surprises.
Most people put this off because they expect a sales pitch. The first call is a fact-finding conversation. There is no quote to accept and nothing to sign.
If the right answer is to keep the policy you already have, or to wait, that is what you will hear. You will never be asked to decide on the call.
Who relies on your income, how old they are, and what would need to be true for them if you were not here. This decides the amount.
Height and weight, medications, tobacco, family history. Nothing invasive. It lets us route you to carriers that will treat your profile well.
A policy you can keep for twenty years beats a bigger one you drop in year three. We size the premium to your life, not the other way round.
Two or three options, each with the carrier, the premium, and why it was picked. In writing, within one business day.
Take the quotes to your spouse, your accountant, or a competitor. When you are ready, we handle the application in one sitting.
The things people ask before they call.
David Redlin
Founder of Summit Wealth Group. Independent, which means no quota with any single carrier and no reason to recommend a policy that is not right for you. Every client works directly with David from the first call to policy delivery, and for every review after.
Book a call with David30 carriers. One quote.
Premiums are set by age and health on the day you apply. Both only move one direction.
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