We are Independent Agents - Don't waste your time with a "captive" agent who can only apply to 1 company. We can apply to any of the 2 dozen companies we work with. If you're worried that you will be penalized or even denied life insurance because of a medical condition, smoker, cigar smoker, e-vape smoker, heart condition, high blood pressure RXs, RX marijuana user then we are your agency who will work to get the lowest life insurance available based on your health history. Maybe you have minor health conditions, a pilot, and were declined you applied to the WRONG company. We fight for our clients with unequal determination for healthy, not health people, different types of smoker to obtain the best possible results from our carriers. Sometimes it takes more than one shot. Finding approvals at low premiums is all about knowing wh the best high risk life insurance companies are, and which one is right for each case.