At Diversified Insurance Brokers, we make buying life insurance simple, transparent, and tailored to your needs. With access to over 75 top-rated carriers, we help you find the right coverage at the best price—whether you’re looking for term, whole life, universal life, or final expense policies. Our step-by-step process takes the guesswork out of protecting your family and securing your financial future.

Step 1: Determine How Much Coverage You Need

Start by calculating your coverage amount based on your income, debts, future obligations, and family’s lifestyle needs. Common recommendations are 7–10 times your annual income, but every family’s situation is unique.

Step 2: Choose the Right Type of Life Insurance

• Term Life Insurance: Affordable coverage for a set period (10, 20, or 30 years).
• Whole Life Insurance: Lifetime coverage with guaranteed cash value growth.
• Universal Life Insurance: Flexible coverage with adjustable premiums and cash value potential.
• Final Expense Insurance: Smaller policies designed to cover funeral costs and final bills.

Step 3: Compare Multiple Carriers

Rates can vary significantly between insurance companies, even for the same coverage. Diversified Insurance Brokers compares over 75 top-rated carriers so you can be confident you’re getting the best value.

Step 4: Complete the Application

Our advisors guide you through the application process, helping you answer health and lifestyle questions accurately. Some policies require a medical exam, while others may offer instant approval.

Step 5: Review and Activate Your Policy

Once approved, we review your policy with you to make sure all details match your needs. Then you can activate coverage and enjoy peace of mind knowing your loved ones are protected.

Why Work with Diversified Insurance Brokers?

As independent advisors, we work for you—not the insurance companies. Our goal is to find the policy that provides the best protection for your family while fitting your budget. With decades of experience and advanced underwriting expertise, we make sure you get the right coverage without overpaying.

Bottom Line

Buying life insurance doesn’t have to be complicated. By following a clear process and comparing multiple carriers, you can secure the right coverage for your family’s needs at a price that works for you.