The right coverage for the people you love most.
Life insurance does not have to be complicated or expensive. Tom Vaughn's aim is to protect your family for the least money, with a plan you understand.
Straightforward coverage. No games.
Most people put off thinking about life insurance. It raises questions nobody enjoys. Tom understands that. His job is not to frighten you into buying. It is to have an honest, straightforward conversation about what your family would actually need if something happened to you.
"My goal is not to sell you an over-priced product that you don't need. The simple goal is to ensure that you have adequate life insurance to take care of your family for the least amount of money."
— Tom Vaughn, Founder
The right type of coverage for your season of life.
One policy does not suit everyone. Tom listens first, then matches the type and the amount to your family and your budget.
Term Life Insurance
Cover for a set number of years: 10, 20 or 30. The cheapest way to protect your family while they depend on your income.
- Coverage typically $250k–$2M+
- Level premiums locked in for the term
- Ideal for income replacement and mortgage protection
- Convertible to permanent coverage at many carriers
Whole Life Insurance
Cover that never runs out, with a cash value that grows over time and is taxed lightly. It suits some situations. Tom tells you whether yours is one.
- Cover for life, and the premium never rises
- Builds guaranteed cash value over time
- Can borrow against the policy tax-free
- Useful for estate planning and wealth transfer
Final Expense Insurance
Small whole life policies that cover funeral costs, medical bills and other end-of-life expenses, so your family is not left with them.
- Coverage typically $5,000–$25,000
- Simpler application, with fewer health questions
- No medical exam required in most cases
- Guaranteed acceptance options available
How much life insurance do you actually need?
Too little leaves your family short. Too much means paying for cover you do not need. The right amount depends on your income, your debts and who relies on you.
A common starting point is 10 to 12 times your yearly income. It is only a starting point. Tom works through your real numbers.
Tom's approach: "Get in touch to find the plan that fits. The conversation is free, and you will know what you have and what you need."
An independent broker who puts your family first.
Tom works with many insurers, not one. He compares rates across the market and has no reason to sell you something dearer than you need.
Life insurance sits alongside bigger decisions. Retirement, estates, when to take Medicare. Tom advises on all of them, so the advice fits together.
Life insurance questions Tom hears every day.
Question not here? Tom will answer it on a free call.
Ask Tom directly →As early as you can. The premium is set by your age and health when you apply. Marriage, a house or a new child are also good moments to look again.
Term life suits most people. It buys a lot of cover cheaply during the years your family depends on your income. Whole life fits narrower cases. Estate planning, passing on a business, or when other tax-friendly savings are full. Tom has no reason to steer you to the costlier one.
It depends on the policy, the amount and your age. Many term policies now skip the exam for healthy applicants below a certain amount. Final expense policies rarely need one.
Usually yes. It may change your rate or the amount you can buy. Insurers judge health conditions differently, so the one you apply to matters. Tom knows which are kinder to which conditions.
A simple policy can be approved in days, sometimes hours. A fully checked one takes four to eight weeks. Tom handles the process.
Let's make sure your family is protected.
Talk to Tom about life insurance for free. An honest look at what your family would need.
Get in touch
Tom responds the same day, Mon–Fri.
Book with CalendlyMon–Fri · 9am–5pm PT · Phone, Zoom, or in person