Honest Policies.
Real Protection.
Permanent whole life insurance from the nation's top carriers. No exam under $50K. Rates that never go up.
Get Your Free QuoteTrusted by families. Backed by carriers you know.
Find the right coverage.
Every family is different. We help you find the plan that fits yours.
Final expense insurance
Cover funeral costs, medical bills, and final debts so your family never has to. $5K to $50K. No medical exam. Locked-in rates for life.
Mortgage protection insurance
If something happens to you, your policy pays the mortgage or helps cover mortgage payments. Your family keeps the house. Simplified underwriting. Same-day quotes.
Indexed universal life insurance
Cash value that grows with the market but never loses to it. Tax-advantaged wealth building with a death benefit built in.
Annuities
Turn savings into guaranteed income you can't outlive. Fixed and indexed options from top-rated carriers. Built for retirement.
One option, or the whole market. You decide.
Single-carrier agents only sell what their company offers. We're independent. We work for you, not an insurer.
No commitment required · Free to start · Licensed in 48 states
What makes us different.
Principles we hold ourselves to. Every client, every call.
Your best interest is our only interest.
Our specialists aren't incentivized to steer you toward any particular carrier or policy. The only thing that matters is putting you and your family in the best position possible.
We'll tell you if we can't help.
Some situations are better served elsewhere. We say so, even when it means no sale. That kind of honesty is rare. We think it should be standard.
Real answers. Every time.
No hold music, no chatbots. A licensed specialist picks up and stays on until every question you have is answered, no matter how long it takes.
We're with you for life.
Your specialist doesn't disappear after the paperwork. Policy changes, life changes, questions. We stay available and proactive well after the sale.
No commitment required · Licensed in 48 states
Know your number before your first call.
Most people call unsure how much coverage they need. Our free tools give you a real estimate in seconds.
Burial Cost Calculator
Enter estimated costs for funeral home, casket, cemetery, and more. Get a suggested final expense coverage amount, with a 10% buffer built in.
Mortgage Protection Calculator
Enter your loan balance, years remaining, and monthly payment. See the exact coverage amount your family would need to keep the home, plus an estimated monthly cost.
Results are estimates only. A licensed specialist will confirm your exact coverage and rate at no cost to you.
Straight answers. No jargon.
The questions families ask us most.
How does Asurgo make money?
The carrier compensates us when you purchase a policy at no additional cost to you. Your rate is identical to buying direct. We simply do all the comparison work so you don't have to.
Do I need a medical exam?
For most final expense and mortgage protection policies under $50,000, no exam is required. A brief health questionnaire over the phone is all it takes.
What states do you serve?
We're licensed in 48 states and can help almost anyone in the continental United States find coverage at the right price.
How long until I'm covered?
Most clients are covered within 24 hours of their first call. Many receive same-day approval. We'll tell you your exact timeline upfront.
What if I have health conditions?
We work with carriers who specialize in applicants with common health conditions. We'll find the one most likely to approve you at the best available rate.
Is there any obligation after requesting a quote?
None at all. We give you options, answer every question, and let you decide at your own pace. No pressure, no follow-up spam. Ever.
Your family's plan starts with a conversation.
Ten minutes with a licensed specialist. See your options, compare carriers, and get covered. No obligation, no pressure.