Term life
Fixed coverage for a fixed window — 10, 15, 20, or 30 years. The most coverage per dollar by a wide margin, which is why it’s what we recommend for most parents and mortgage holders.
Licensed independent insurance brokerage
Life insurance that fits the budget you actually have.
We’re a broker, not a carrier — which means we shop your application across more than ten A-rated insurance companies and bring back the lowest rate you qualify for. Most families we work with start between $20 and $60 a month.
- No-exam options available
- No cost to use a broker
- Zero obligation to buy
What we place
Four kinds of coverage, one conversation.
Most people come to us knowing they need “life insurance” and not much past that. Here’s the honest difference between the options, including which one usually wins on price.
Whole life
Premiums that never change and coverage that never expires, plus cash value that builds over time and that you can borrow against. Costs more up front, but it’s permanent.
Indexed universal life
Permanent coverage with cash value that tracks a market index, with a floor that protects you in down years and a cap in good ones. Flexible premiums. Best suited to longer time horizons.
Final expense
Smaller whole-life policies ($5K–$40K) built to cover a funeral, medical bills, and the paperwork that follows. Simplified health questions, no exam, and available at older ages.
How it works
Three steps, and the first one takes two minutes.
1
Tell us the basics
Name, date of birth, and where you live — that’s genuinely enough to start pricing. No medical records, no credit pull, no commitment.
2
We shop the carriers
A licensed agent on our team runs your profile against every carrier we’re appointed with, because the cheapest company for a 38-year-old non-smoker is rarely the cheapest for a 61-year-old with high blood pressure.
3
Pick one, or pick none
We walk you through the two or three best options and you decide. If nothing fits, that’s a fine outcome — you owe us nothing either way.
Carriers we work with
We’re appointed with the companies that actually compete on price.
Because we’re independent, no single carrier sets our recommendation. We send your profile to the ones most likely to approve you at the best rate.
SBLI
Corebridge Financial
United Home Life
American Amicable
Ethos
Mutual of Omaha
Transamerica
Foresters Financial
Americo
Protective
Carrier and product availability varies by state, age, and health profile, and our appointments change over time — the carriers listed above are companies we work with, not a guarantee that every product is available to every applicant. Company names and marks are the property of their respective owners and are shown for identification only. Crownview Financial LLC is an independent brokerage and is not an insurance carrier.
Common questions
The things people ask us first.
Does it cost anything to use a broker?
No. We’re compensated by the insurance carrier when a policy is issued, and that commission is already built into the rates the carrier files with your state — so the premium is the same whether you come through us or apply directly. You never pay Crownview Financial a fee.
Do I need a medical exam?
Often not. Several of the carriers we work with offer accelerated or simplified underwriting, where approval is based on your application answers plus database checks instead of a paramedical exam and blood draw. Whether you qualify depends on your age, the coverage amount, and your health history — we’ll tell you which path you’re on before you apply.
How much coverage do I actually need?
A common starting point is ten times your annual income, plus any mortgage balance, minus whatever savings or existing coverage already sits behind your family. That’s a rule of thumb, not advice — we’ll work through your real numbers with you.
Will my premium go up later?
On level term and whole life, no — the premium is locked for the term length or for life, respectively. Term coverage does expire at the end of its term, and renewing at that point costs more because you’re older. Indexed universal life is flexible by design, so the funding required can change over time. We go through this in detail before anything gets signed.
What happens to my information?
It goes to our own licensed agents so we can quote you. We don’t sell, rent, or trade it — and your phone number and text-message consent are never shared with any third party or affiliate for their marketing. See our Privacy Policy for the full detail.
Get your free quote.
Fill this out and a licensed agent from our team will come back to you with real numbers from the carriers you qualify for. No exam to get a quote, and no obligation at any point.
- Your information goes to our own licensed agents — we never sell or share it.
- Phone number and text messaging are both optional.
- No credit check and no impact on your credit to get quoted.
- A quote is not an application and does not bind coverage.
Request your quote
Takes about two minutes. Fields marked optional can be left blank.
Important disclosures
Crownview Financial LLC is a licensed independent insurance brokerage. We are not an insurance company, and we do not underwrite, issue, or administer insurance policies. All coverage is issued by the applicable insurance carrier and is subject to that carrier’s underwriting, approval, policy terms, exclusions, limitations, and reductions.
Nothing on this website is an offer to sell or a solicitation to buy insurance in any state where Crownview Financial LLC or the issuing carrier is not licensed. Rates, products, and carrier availability vary by state, age, sex, tobacco use, health history, coverage amount, and product type. Premium illustrations shown on this site, including “from $20 per month,” are examples for illustration only, are not quotes or guarantees, and do not constitute an offer of insurance. Not all applicants will qualify for coverage or for the lowest advertised rate.
Indexed universal life insurance involves market-linked crediting and policy charges; it is not a security, not a bank deposit, and is not insured by the FDIC. Policy values are not guaranteed except as expressly stated in the policy contract. Guarantees are backed solely by the claims-paying ability of the issuing carrier.
Crownview Financial LLC is not affiliated with, endorsed by, or acting on behalf of the Social Security Administration, Medicare, the Department of Veterans Affairs, or any other federal or state government agency or program. This site does not provide tax, legal, or investment advice — consult a qualified professional regarding your own situation.