It’s not about what you need, it’s about what your family needs when you’re not here.

1 Million+

Families Helped

$150 Billion

Life Insurance Placed

$800 Billion

Premium Sold

10,000+

Professional Agents

It’s not about what you need, it’s about what your family needs when you’re not here.

1 Million+

Families Helped

$150 Billion

Life Insurance Placed

$800 Billion

Premium Sold

10,000+

Professional Agents

Industry's Best

Insurance Providers

David Germain

Licensed Broker & Senior Field Underwriter

ABOUT ME

ABOUT ME

My mother passed away from breast cancer March 5, 2011 and my father who was a Vietnam War veteran passed away October 30, 2022. I personally know the pain, financial stress, and heartache it causes families to have when the breadwinner of the family gets either sick in the hospital or passes away. Because of this first hand knowledge I didn’t want families to go through what I went through. If it wasn’t for Life Insurance my family would of lost all of the properties to Foreclosure and the hard earned sacrifices my family worked so hard to build to leave generational wealth would of vanished.

We are a faith based, mission driven company whose focus goes well beyond just selling life insurance. We break generational financial curses, keep families together so they don’t fight over assets left behind. We provide “LIFE” insurance that you can use while you are LIVING in the event you get sick called “LIVING BENEFITS” which I wish someone would of told my mother about when getting life insurance. You can also “Become Your Own Bank” with Life Insurance and set up tax free retirements.

I was a former High School teacher and PSAL Championship basketball coach for 15 years in Brooklyn, NYC before getting my Real Estate Brokers License in 2013 until present. I have a 6 year old son and recently relocated to Connecticut. I have sold many homes in my real estate career and realized that many families sold their homes because they didn’t have the proper life insurance plan in place or was underinsured to prevent their homes from being sold which caused families to grow apart or fight over the home.

Let’s get together and put a life plan in place for you that will protect, prosper, and prepare you for the future!

“You know, a man’s life is the most precious thing in the world, isn’t it? So isn’t it odd that a man will insure EVERYTHING but his own life?”

WE GOT YOU COVERED

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Final Expense

Final Expense insurance will cover you for life. Prices are locked and will never increase nor will your policy end. These types of policies are designed to make sure all funeral and other end of life expenses are covered.

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Indexed Universal Life

This is a type of permanent policy that allows the insured to accumulate cash value in addition to their death benefit. It can be setup to help supplement your retirement plan.

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Final Expense

Final Expense insurance will cover you for life. Prices are locked and will never increase nor will your policy end. These types of policies are designed to make sure all funeral and other end of life expenses are covered.

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Indexed Universal Life

This is a type of permanent policy that allows the insured to accumulate cash value in addition to their death benefit. It can be setup to help supplement your retirement plan.

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Mortgage Protection

Mortgage protection insurance is a way to protect one of your most valuable assets in the event of a death. Most terms are designed to give you a full return of premium if you outlive the policy. In the event of a death, the mortgage will be paid in full, so your family can keep the house.

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Fixed Indexed Annuities

This is a safe way to participate in the market's gains while avoiding potential loses and keeping your retirement secure.

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Mortgage Protection

Mortgage protection insurance is a way to protect one of your most valuable assets in the event of a death. Most terms are designed to give you a full return of premium if you outlive the policy. In the event of a death, the mortgage will be paid in full, so your family can keep the house.

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Fixed Indexed Annuities

This is a safe way to participate in the market's gains while avoiding potential loses and keeping your retirement secure.

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