Your policy, one tap away.
Install the Farrell Financial app on your phone. Sign in once, then view your coverage, download documents, or reach me directly. No app store, no account to create.
Straight answers on mortgage protection, term, IUL, JIUL and whole life. No pressure, no jargon, no thirty-question form before someone talks to you. Fifteen minutes on a call and you'll know exactly where you stand.
No cost. No obligation. Licensed and appointed with top-rated carriers.
Every product below does one thing well and other things badly. Nobody needs all of these. Most people need fewer than they think, and a different set than they expected.
If your income stops, these keep the house, the plan and the people intact.
Term coverage sized to your loan so the house gets paid off, not repossessed. Usually pairs with living benefits for disability or critical illness.
A short, high face amount policy stacked on a smaller long-term one. Heavy protection through the early mortgage years when the balance is highest, then it steps away instead of costing you for thirty years.
The most coverage for the least money, for a set number of years. Ideal while kids are home and the debt is still large.
Permanent coverage with cash value credited from an index, protected by a floor and limited by a cap. Flexible, and it needs funding to work.
One indexed policy covering two people. Often cheaper than two singles and used for estate and legacy planning.
Fixed premium, guaranteed death benefit, guaranteed cash value. The most predictable product here, and the most expensive per dollar of coverage.
A high-cash-value whole life policy used as a personal financing system. You borrow against it instead of a bank, and the policy keeps compounding. Requires real funding and real patience.
Smaller permanent coverage for funeral costs and last bills, with simplified underwriting. Built so your family isn't fundraising.
Major medical covers the hospital. None of it covers your mortgage while you're in one.
Pays you a set amount per day admitted, straight to your bank account, on top of whatever your health plan pays. Spend it on anything.
Lump sum for ER visits, fractures, stitches and ambulance rides. Designed to absorb the deductible your health plan leaves you.
A lump sum when you're diagnosed with cancer, heart attack or stroke. Paid on diagnosis, not on receipts, and yours to use however you need.
You're far more likely to be unable to work than to die during working years. This replaces a share of your income while you recover.
Covers extended care at home or in a facility, which health insurance and Medicare largely do not. The single largest uninsured risk most families carry.
Coverage for the years after the paycheck stops.
Medigap coverage that pays what Original Medicare leaves behind. Predictable costs, any doctor who takes Medicare, no networks.
Contracts that turn a lump sum into guaranteed income or guaranteed interest. Conservative, illiquid, and not for money you'll need soon.
Routine care that Original Medicare and most health plans exclude. Low premium, used constantly, easiest cross-sell to actually appreciate.
A policy you can't find, don't understand, and never review is barely a policy at all. Coverage should keep up with your life, not sit in a drawer for twenty years.
Install the Farrell Financial app on your phone. Sign in once, then view your coverage, download documents, or reach me directly. No app store, no account to create.
You told me the last landing page asked too much before it gave anything. This one doesn't.
Grab any open slot on my calendar. Fifteen minutes, by phone or video, whichever you prefer.
What you owe, who depends on you, what you already have through work. Usually there's a gap and it's usually not where people expect.
I bring options from over 40 carriers with real numbers. If nothing fits, I'll tell you that too.
Plain-English explainers for every one of them, with the trade-offs left in, including the parts that aren't flattering.
What it covers, and why it isn't the bank's plan.
IULCaps, floors, participation rates, and the honest downside.
IBCWhere the strategy is real and where the marketing outruns the math.
HICash per day admitted, paid straight to you, spend it on anything.
DIThe most underbought product on this list, and it isn't close.
LTCThe largest uninsured risk most families quietly carry.
MEDThe six-month window that cannot be undone.
VSTwo tables. Cost, duration, trigger, best use.
There's no call center here and no rotating cast of reps. You book a time, I pick up, and I'm the same person you call in five years when something changes.
I'm an independent, licensed life insurance agent, which means I'm not tied to one company's product shelf. I bring options from over 40 top-rated carriers and I'll tell you plainly when the cheapest one is the right one, or when you don't need anything at all. Most of what I do is mortgage protection and living-benefit coverage for working families who'd be in real trouble if one paycheck disappeared.
The reason the education page on this site is longer than the sales copy is deliberate. People who understand what they're buying keep their policies. People who get talked into something cancel in year two and end up with nothing.
Pick a time that works. You'll get a calendar invite immediately and a call from me, not a call center.