At Diversified Insurance Brokers, we make getting life insurance straightforward, transparent, and customized to your needs. With access to over 75 top-rated carriers, we help you compare policies, understand your options, and secure the right coverage at the best possible price. Whether you’re protecting your family, covering a mortgage, or leaving a legacy, our team can guide you every step of the way.

Step 1: Decide How Much Coverage You Need

Calculate your coverage amount based on income replacement, debts, future expenses, and your family’s financial needs. A common guideline is 7–10 times your annual income, but we’ll help you determine the exact figure for your situation.

Step 2: Select the Right Type of Life Insurance

• Term Life: Affordable coverage for a specific number of years (often 10, 20, or 30).
• Whole Life: Lifetime protection with guaranteed cash value growth.
• Universal Life: Flexible coverage with potential for cash value accumulation.
• Final Expense: Smaller policies to cover funeral costs and final bills.

Step 3: Compare Multiple Carriers

Different companies offer different rates, underwriting standards, and features. Diversified Insurance Brokers shops over 75 carriers to find your best match based on health, budget, and goals.

Step 4: Complete Your Application

Our advisors guide you through the application process, ensuring your information is accurate and complete. Some policies require a brief medical exam, while others may approve instantly without one.

Step 5: Activate Your Coverage

Once your policy is approved, we review it with you to confirm the details match your expectations. Your coverage starts as soon as your first payment is made, giving you and your family immediate protection.

Why Work with Diversified Insurance Brokers?

We work for you—not the insurance companies. Our independent status means we recommend the policy that best fits your needs and budget, not the one that pays us the most. With decades of experience and a client-first approach, we make the process fast, easy, and stress-free.