call: (910) 328-0447
contact me



Best Products and Lowest Premiums



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

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


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

$25,000 – $50,000 North American Company
$50,000+  lowest premiums check by age
$100,000+  guaranteed cash value American General


Guaranteed Universal Life with Return of Premium (ROP) option:

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


Indexed Universal Life 

North American Company
Penn Mutual


Guaranteed Indexed Universal Life

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


Universal Life

John Hancock  “Protection UL”   outperforming crediting rates


Life Insurance that pays for Long Term Care  
North American Company
North American (annuity)


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:  Nationwide
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