01
Protect.
Income your family can count on.
If people depend on your paycheck, life insurance replaces it when you no longer can. This is the floor everything else stands on — a promise that the rent, the groceries, and the plans still get kept.
Independent life insurance · for families
Protect the people who are counting on you.
We are an independent agency built for families — we explain your options in plain language, compare carriers on your behalf, and help you choose coverage you can actually keep.
Plain-language guidance · carriers compared for you · no pressure
In three chapters
What a policy actually does
02
Grow.
Value that can build over time.
Some permanent policies hold cash value that can accumulate on a tax-advantaged basis, giving you options down the road. It is not a market bet, and any growth beyond the policy guarantees is not promised.
Cash value growth is not guaranteed. Index-linked interest is not guaranteed and is not a stock-market investment.
03
Pass on.
A legacy you choose on purpose.
A policy can move money to the people and causes you name — generally income-tax-free to your beneficiaries, and without the delays of probate. You decide where it goes, on purpose, ahead of time.
How we help
A calmer way to
buy life insurance
Start with a plan, not a product
We begin with your household — who depends on your income, what you owe, what you hope to leave behind. The right policy comes after that conversation, not before it.
Independent, so the advice is yours
We are not owned by one insurance company. We compare options across several carriers and recommend what fits your family, plainly explaining the trade-offs.
Coverage sized to a real budget
Term, permanent, and hybrid policies each do a different job. We match the coverage to what your family needs and what you can comfortably keep paying.
Guidance that outlasts the sale
Life changes — a new child, a move, a new job. We check in, and we answer the phone. Good coverage is a relationship, not a transaction.
AI-assisted, human-led
Technology that searches.
People who decide.
We're bringing in AI-assisted tools that compare coverage options across the carriers we work with — quietly handling the legwork and the paperwork. That frees your licensed agent to spend the real time where it counts: understanding your family, and talking it through with you. The searching is assisted; every recommendation is a person's.
A friendly chat assistant is on the way.
AI tools assist with research and preparation only. All recommendations are made by licensed professionals. Product and carrier availability varies by state.
The search does the legwork; the choice stays yours.
Independent representation
The carriers we work with
- National Life Group
- Columbus Life Insurance Company (Western & Southern Financial Group)
- F&G Annuities & Life
- Nationwide
- AuguStar Financial
- Lincoln Financial
- American General Life (Corebridge Financial)
- North American Company for Life and Health Insurance
Carrier availability varies by state and is subject to appointment. Listed carriers are independent companies and are not affiliated with United Coalition Insurance and Services Inc.
Who stands behind it
A coalition, not a call center
United Coalition is a group of independent agents held to one shared standard — honest education and plain dealing. It is led by three people who answer for that promise.
Read our story →- Tatanisha Leer Chief Executive Officer & President
- Sydney Leer Chief Financial Officer
- Avi Sangray Chief Technology Officer
When you’re ready,
we’ll make it simple.
A short conversation, honest options, and coverage that fits your family.