A local agency that answers the phone.
Future Guard Life is an independent life insurance agency licensed across multiple states. We are licensed producers, not a call center, and the person who writes your policy is the person you reach later.
Independent, and plain about it.
Most people are sold a policy before anyone asks what they are actually trying to protect. We do it the other way around. We start with the obligation — the income your household runs on, the years left on the mortgage, the cost of a funeral, the partner who would have to buy out your half of the business — and then find the product and the carrier that solve it at a price you can keep paying.
Being independent means we are not defending one company's product line. If a $300,000 twenty-year term policy is the honest answer for your budget, that is the recommendation, even though a permanent policy would pay us considerably more. The premium you pay is set by the carrier and filed with the state — it is identical whether you buy through us or go direct, so the guidance costs you nothing.
02What you can expectStraight answers about your health
Health history drives price more than anything else. We will tell you up front which carriers are realistic for your situation instead of putting you through an application that ends in a decline.
No pressure and no rush
Life insurance is a decision with a thirty-year tail. If you want to think about it or talk it over with your spouse, that is the correct instinct.
Service after the sale
Beneficiary changes, address updates, questions about a bill, and help for your family at claim time. Policies outlast the sale, and so does the relationship.
Backed by Family First Life.
Future Guard Life operates through Family First Life, one of the largest independent insurance marketing organizations in the country, based in Uncasville, Connecticut. Family First Life partnered with Integrity Marketing Group in 2019.
That means the carrier access and backing of a national organization, while the person who writes your policy is still the person who answers the phone.
The companies behind your policy.
Available through Family First Life. Which carrier fits depends on your health, your age and what you are protecting — that is the part we do for you.
Carrier availability varies by state and product type. Not all carriers are available in every state.