When you call,
I answer.
I'm Evan. I help families plan for the things nobody wants to talk about, so the people they love are never left with the bill. One person, from first call to covered. No call centers. No pressure.
Licensed life insurance agent, NPN 22191176. Serving New Jersey and 14 more states.
Three kinds of protection, explained in plain English.
Final expense coverage
A small whole life policy that pays cash to your family within days, so the funeral and the last bills are handled. Premiums never go up. Yes or no health questions, no exam for most people.
Mortgage protection
Life insurance sized to your mortgage and paid to your family, not the bank, so they can keep the house or choose what comes next. Locked-in rates for the term.
Term and whole life
Income replacement, college, a business, or a legacy. I compare options across carriers and show you two or three that fit, with real monthly prices at your age.
One agent. Start to finish.
I'm an independent life insurance agent based in Brick, New Jersey, licensed in 15 states. Independent means I work for you, not for one carrier, so I can match you to the company that treats your health history most fairly.
When you call, you get me. When something needs fixing years from now, you still get me. That's the whole model.
Licensed in NJ and 14 more states: TX, AL, OH, VA, WY, CA, SD, SC, NV, MO, NC, LA, AZ, NM.
What families usually ask
How much does it cost? For most people I work with, coverage runs between a cell phone bill and a cable bill each month.
Will my health disqualify me? Rarely. It usually changes which option fits, not whether one fits.
How long does it take? One phone call, about fifteen minutes. Many are approved the same day.
Fifteen minutes, three steps.
We talk
You tell me who you want protected and what the money should do. I ask a handful of yes or no health questions.
You see real numbers
I show you two or three options with actual monthly prices at your age. You pick, or you don't. Either is fine.
You're covered
If one fits, we finish the application on the same call. Your family gets the policy details and my direct number.
Straight answers.
Do I need a medical exam?
For most of the policies I place, no. Health questions are yes or no and the application is done over the phone.
What does a funeral actually cost?
The national median cost of a funeral with burial is about $8,300, and cremation about $6,280, according to the National Funeral Directors Association. Add the last medical bills and a few months of household expenses and the total is larger than most families expect.
I have a heart condition, diabetes, or a cancer history. Can I still get covered?
Usually yes, if you qualify. Different carriers treat different histories differently, which is exactly why working with an independent agent matters.
Is this connected to the government or the VA?
No. I'm an independent licensed agent. I'm not affiliated with or endorsed by any government agency. I can explain how a private policy works alongside benefits you may have earned.
Will you text me?
Only if you ask me to. You can opt in to text updates using the chat bubble in the corner of this page. Message frequency varies, message and data rates may apply, and you can reply STOP at any time. Details are in the Terms of Use.
Reach me directly.
Call or text: (305) 331-6906
Email: [email protected]
Office: 495 Route 70 #1108, Brick, NJ 08723