ARGUIDE | Compassionate Life Insurance Guidance

My Why

In 2025, I lost my father unexpectedly to a stroke. He was just 64—healthy, vibrant, and not on any medication. There were no warnings, no signs. And no preparations. No life insurance. No will. No trust.

I was left grieving—but also facing a mountain of legal and financial decisions I never expected so soon. It wasn’t just heartbreaking. It was overwhelming.

When I began exploring life insurance for my own family, I quickly realized how confusing and intimidating the industry can be. It felt cold—sales-driven, full of jargon, and lacking empathy. That’s when I asked myself: If something happened to me… would my family be protected?

That moment changed everything. I got licensed not just to insure myself, but to learn the industry from the inside out—and to help others avoid the chaos I went through. I built my mission on simplicity, transparency, and compassion.

Understanding Your Options

Life insurance doesn't have to be complicated. Here are the two fundamental types of protection, explained in simple terms.

Term Life Insurance

Think of this like renting protection. It's an affordable way to get a large amount of coverage for a specific period (the "term"), like 10, 20, or 30 years. It's perfect for covering temporary, high-cost needs like a mortgage or providing income until your children are financially independent.

Permanent Life Insurance

Think of this like owning protection. It's designed to last your entire life and often includes a "cash value" component that can grow over time. It's ideal for covering permanent needs like final expenses, leaving a legacy, or for more complex estate planning strategies.

The ARGUIDE Needs Checkup

I built this tool to give you a clear, data-driven head start on your financial protection plan. This is the starting point for our one-on-one conversation.

This calculator uses two industry-standard methods to provide a comprehensive estimate: DIME Analysis (Debt, Income, Mortgage, Education) and FIN Analysis (Final Expenses, Income Replacement, Needs of Dependents).

👨‍👩‍👧‍👦 About the Family

Your Age

Spouse/Partner's Age (Optional)

Number of Dependents

General Health

🏦 Financial Landscape

Mortgage Balance

Other Debts (Student, Auto, CC)

Liquid Savings

Investments (401k, etc.)

Existing Life Insurance

🎯 Financial Goals

Total Annual Household Income

Years to Replace Income: 15 years

College Funding Goal

Final Expenses Estimate

Your Advocate in the Market

As an independent agent, I work for you, not the insurance companies. This freedom allows me to access a wide marketplace of over 20 top-rated carriers to find the best policy and pricing for your unique situation.

Aetna

Aflac

American Amicable

Americo

Ameritas

Baltimore Life

Catholic Financial

Combined

Corebridge

Ethos

Fidelity Life

Gerber Life

Illinois Mutual

Kansas City Life

Ladder

LCBA

Manhattan Life

Mutual of Omaha

National Life Group

Reagan AI

Royal Arcanum

SBLI

United Home Life

Prepare for Our Strategy Session

This AI-powered prompt is designed to help you explore different strategies and prepare questions, so our one-on-one conversation is as productive as possible.

// Copy the prompt below and use it with your favorite AI

Act as a sophisticated financial strategy simulator and educator.

Based on the DIME and FIN analysis from the ARGUIDE tool, my estimated life insurance need is [Enter Your Result Above]. My primary goals are to cover a mortgage, replace income for my family, and fund college.

To help me prepare for my strategy session with my licensed agent at ARGUIDE, please model two distinct approaches for my consideration:

1. **Strategy A (Maximum Protection Focus):** Describe a strategy that prioritizes the highest possible death benefit for the lowest cost to cover my temporary needs (mortgage, income replacement). Explain what type of policy (like Term Life) is typically used for this and why it's effective for this goal.

2. **Strategy B (Hybrid Growth & Protection Focus):** Describe a blended strategy that not only covers my temporary needs but also includes a component for lifelong protection and potential tax-advantaged cash value growth. Explain how policies like Whole Life or Indexed Universal Life (IUL) could fit into this strategy and what their primary purpose would be.

3. **Key Questions for My Agent:** Based on these two strategies, generate a list of 5 critical questions I should ask my agent to help me decide which path is right for my specific financial situation and risk tolerance.

Life Insurance with Clarity and Compassion.