Protect your family, your business, and your legacy.
Life insurance for real life — from a first term policy for a young family to the permanent coverage inside an attorney-designed estate plan. Straight answers from a licensed specialist, not a call center.
Which sounds like you?
Coverage that fits your life and your budget
A first policy, more coverage as the kids grow, or a plan that outlasts the mortgage — without the hard sell.
- Term life that covers the years that matter most
- Whole life & IUL that build cash value over time
- An honest answer on how much is actually enough
The insurance component, implemented with precision
Working with an attorney or CPA on succession or wealth transfer? This is the specialty side of the practice.
- Buy-sell agreement funding & key person coverage
- Survivorship policies for generational transfer
- Policy design inside attorney-drafted trust structures
Start with a number, not a sales pitch
Most people have no idea how much coverage they actually need. These take a few minutes and give you a real starting point before you ever talk to anyone.
Life Insurance Calculator
How much coverage would your family actually need? Sixty seconds to a personalized number.
Am I Underinsured? Quiz
Five questions, one honest answer. Most families are covered for less than half of what they’d need.
Term vs. Permanent
A plain-English comparison of how each works, what each costs, and who each tends to fit.
The Business Owner’s Guide to Life Insurance
Buy-sell funding, key person coverage, and what to ask before you sign anything — written for owners, not agents.
The specialist your attorney and CPA will want to talk to
Russell Moran has spent 20+ years in life insurance, working with families and business owners on term, whole life, indexed universal life, and survivorship coverage across eight states.
For estate and succession work, he doesn’t replace your attorney or CPA — he works alongside them, implementing the life insurance component of the plan they’ve designed.
Not sure where to start? Start with a number.
Run the free calculator, take the quiz, or just ask a question. No cost, no obligation, and your information is never sold.