If something happened to you tomorrow, would your mortgage still be covered? Would your family have the funds to move forward? Engel Financial Group helps homeowners secure affordable, straightforward protection — with no medical exam required.
By submitting this form, you consent to receive SMS text messages and calls from Engel Financial Group regarding your insurance inquiry. Message frequency may vary. Msg & data rates may apply. Reply STOP to opt out at any time. Reply HELP for help. Consent is not a condition of purchase. View our Privacy Policy and TCPA Compliance policy.
Nobody likes to think about worst-case scenarios. But the families who plan ahead are the ones who keep their homes, their stability, and their peace of mind when the unexpected happens.
If you were suddenly gone, would your spouse or children be able to afford the mortgage on their own? Most families couldn't — without a plan in place.
The average funeral costs between $8,000 and $12,000 — not including any outstanding debt. Without coverage, that burden falls entirely on your loved ones.
Coverage becomes more expensive with every passing year — and certain health conditions can make qualification harder. The best time to get protected is before you need it.
As an independent broker, I work with multiple top-rated carriers to find you the coverage that fits your life — your budget, your health situation, your family's needs.
Not all insurance agents work the same way — and that difference has a direct impact on your rate and your options. As an independent broker, I have access to 40–50+ A-rated carriers, which means I can shop the market and find you the best coverage at the best price. Captive agents are locked into one company's products. I work for you, not the carrier.
| Engel Financial (Independent) | Captive Agent | |
|---|---|---|
| Carriers available | 40–50+ A-rated carriers | 1 company only |
| Shops the market for you | Yes — compares all options | Cannot compare outside products |
| Who they work for | You, the client | The insurance company |
| Rate & coverage flexibility | Best available rate through competition | Limited to one company's pricing |
With access to dozens of top carriers, we shop the market so you don't have to — saving you time, money, and the headache of comparing policies on your own.
Every plan I present is vetted for value, stability, and real-world usefulness. No gimmicks. No pressure.
Most of our plans only require answering a short health questionnaire. Even clients with pre-existing conditions are often approved same-day.
Many of our clients receive approval and confirmation within 24 hours. Fast coverage means your family is protected right away — not weeks from now.
Coverage options range from $10,000 to $500,000+. Choose the level that matches your mortgage balance, family size, and budget.
You'll work directly with a licensed professional — not a call center. I'll answer every question honestly, with no pressure to decide on the spot.
I only work with A-rated carriers — companies that have a proven track record of paying claims reliably, even in the most difficult circumstances.
There's no cost to speak with me or get a quote. If the coverage doesn't fit your situation, you're never obligated to move forward.
Licensed Senior Underwriter & Independent Insurance Broker
I didn't grow up with safety nets or stability. I've seen firsthand how quickly everything can fall apart when there's no protection in place — and those experiences are what led me into this industry. Today, I help families create the kind of security I wish my own had. This isn't just a career. This is personal.
Fill out the short form above — it takes under 60 seconds. No commitment required.
I'll call you at a time that works for you to understand your situation and goals.
I'll present the best plans from multiple carriers — tailored to your needs and budget.
Choose the plan that feels right. Get approved — often the same day — and start your coverage.
"I'd been putting off getting life insurance for years. After one 20-minute call, I had mortgage protection in place for less than I expected. The process couldn't have been easier."
"My husband passed unexpectedly last year. Because of the final expense policy we'd set up, I didn't have to worry about costs. It made the hardest time of my life a little more manageable."
"As a homeowner in my 50s, I wasn't sure I could qualify. Within a day I had coverage from a top carrier at a price I could comfortably fit into my budget. Highly recommend."
Pick a time that works for you — no pressure, no commitment required. A short 15-minute call is all it takes to understand your options and what coverage looks like for your situation.
View My Calendar & Book a Call ?Free · No obligation · 15 minutes
A quick, no-obligation conversation is all it takes to understand your options and see what coverage looks like for your situation.
Get My Free Quote Now