call: (910) 328-0447



Best Products and Lowest Premiums


Whole Life 

$3,000+  United of Omaha: simplified issue, no blood test
$25,000+ MassMutual: dividends, cash value accumulation
Single Premium Whole Life  Assurity Life


Guaranteed Universal Life   age 120 no lapse guarantee

$25,000 – $50,000  North American Company
$50,000 – $5,000,000  lowest premiums check by age


Life Insurance that pays for Long Term Care  

Nationwide: best LTC rider
North American Company


Indexed Universal Life 

North American Company
Penn Mutual



American National  “ANICO Signature Term”
best for its living benefits: chronic and critical illness accelerated benefits

Protective “Custom Choice UL”  for guarantees after level benefit period


Guaranteed Universal Life with Return of Premium (ROP)

American National
United of Omaha: ROP policy anniversary 15, 20, 21, 22, 23, 24, 25
American General


Guaranteed Indexed Universal Life

North American Company
Security Life of Denver  “Voya Indexed Universal Life – Guaranteed Death Benefit”


Universal Life

John Hancock  “Protection UL”


Survivorship Life Insurance (Second To Die Insurance)

$250,000+  Prudential   “Prudential PruLife SUL Protector”
$100,000+  American General “Secure Survivor GUL” – guaranteed cash value


Survivorship with Long Term Care Benefit



Guaranteed Survivorship Indexed Universal Life

Penn Mutual,  age 121 no-lapse guarantee option


Guaranteed Acceptance   Modified Benefit Whole Life, no health questions

$5,000+  Gerber Life


Return of Premium Term 

American General


Cigar, pipe, nicotine patch, nicotine gum, electronic cigarettes 


Tobacco users who have quit or plan to quit


Contact me for a free and strictly confidential quote

life insurance recommendations
Licensed Agent: Sean Drummey
National Producer #5534308
phone: (910) 328-0447