Coverage Your Family Can Count On, Without the Guesswork
Find out what you qualify for in about 60 seconds. No exam, no obligation, no sales pitch.
Most people put off life insurance because nobody gives them a straight answer. You call, you get transferred, you get pitched, and you still don't know what it costs.
We flipped that. Answer a few questions, and a licensed advisor calls you with real numbers for your age, your health, and the coverage you actually need.
No medical exam required — most policies approve on health questions alone
Rates locked for life — your premium never increases once approved
Licensed advisors, not call-center reps — one person, start to finish
Free · Takes about 60 seconds · No obligation
The Decision Doesn't Get Easier With Age
Most people avoid this decision because they assume the answer will be bad news — too expensive, too complicated, or too late. Usually, it's none of the three.
Sixty seconds gets you a real answer: what you qualify for, what it costs, and whether it's worth doing. If the numbers don't work for you, you'll know that too — and you'll have lost nothing but a minute.
Free · No medical exam · No obligation
What We Look At Together
Every conversation is built around your situation — your age, your health, your budget, and who's depending on you.
Your Coverage Gap
How much protection would your family actually need, versus what you have in place today? Most people are short by more than they think.
The Right Policy Type
Term, whole life, final expense, or IUL — which one fits your goal, your timeline, and your budget? Straight comparison, no favorites.
What It Costs
Real numbers from real carriers based on your actual profile. Not a range, not an estimate — what you'd pay.
Understand Your Options Before Deciding
There are four ways to buy life insurance, and three of them are wrong for most people. Term, whole life, final expense, indexed universal life — each solves a different problem, and the industry rarely explains the difference before asking for a signature.
We start with what you're actually protecting: your family, your income, your final expenses, or all three. Then we show you what fits — including the option where you don't buy anything from us at all.
You'll leave the conversation knowing what you need and what it costs. What you do with that is up to you.
Straight Answers. No Runaround.
Here's what the process actually looks like: you answer a few questions online, a licensed advisor calls you within 15 minutes, and you talk for about ten minutes. That's it.
No home visit. No 90-minute presentation. No "let me get my manager." If you qualify and want coverage, we handle the application on that same call. If you don't, we'll tell you why and point you somewhere that fits better.
We get paid by the carrier when a policy is placed — never by you. That means our only path to earning your business is finding coverage you'd actually keep.
Frequently Asked Questions
How much does life insurance cost?
It depends on your age, health, and coverage amount — but less than most people expect. A healthy 60-year-old can often get $10,000 in final expense coverage for around $45–$60 a month. We'll give you your exact number, not a range.
Do I need a medical exam?
Usually not. Most of the policies we place are approved on health questions alone. If an exam would get you a significantly better rate, we'll tell you — but it's your call.
Can I get coverage with health conditions?
In most cases, yes. Diabetes, heart conditions, cancer history — these affect your rate class, not necessarily your eligibility. There are also guaranteed-issue policies that don't ask health questions at all.
What's this going to cost me to talk to you?
Nothing. We're paid by the insurance carrier when a policy is placed. You never pay us directly, and there's no fee for the conversation.
How fast will someone call me?
Usually, within 15 minutes during business hours. If you'd rather talk later, tell us when and we'll call then.
Am I obligated to buy something?
No. Plenty of our conversations end with "you're already covered fine" or "here's a better option elsewhere." That's a good outcome too.
One Conversation. Real Numbers.
No Pressure.
The hardest part is starting. Sixty seconds from now you'll know whether coverage is within reach — and what it actually costs.
New Era Advisers is a licensed insurance agency. Not all applicants will qualify for all products; coverage is subject to underwriting approval. Rates vary by age, health, state, and coverage amount. Product availability varies by state. This site is not affiliated with or endorsed by any government agency
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