Life insurance, built around your family — not the insurance company.
Multi 5-star independent agent with access to most major carriers. I find your family the most affordable coverage — all over the phone, no in-person visits required.
One agent. Most major carriers. The lowest rate you qualify for.
Most agents work for one carrier. That means one pool of products, and usually the expensive ones. I found this out the hard way shopping for my own family's coverage before my 40th birthday.
As an independent agent, I shop across most major carriers on your behalf and bring you the most affordable option that actually fits. One call, real options, honest advice. That's it.
Three steps. All by phone.
No pressure. No home visits. Just a short conversation and real options.
Share a few details
Quick form or a 2-minute call. I need the basics — age, height/weight, smoker, meds. That's it.
I shop the market
I compare rates across most major carriers and bring you the most affordable options that fit.
You pick. I handle the rest.
Choose what works. I submit the paperwork. You go back to your life.
Let's find your family the lowest rate — under 2 minutes.
You came for the most affordable options. To deliver on that, I need a few basics. Everything you share stays private — used only to shop your rate.
Most major carriers. One agent.
If a top-rated carrier has a better price for your situation, I'll find it.
Real families. Real results.
Every review below came from someone who called looking for answers and walked away covered.
Husband to one. Dad to five. Agent who answers his phone.
I got into this business because I was shopping for my own family's coverage before my 40th birthday and realized most people are handed the most expensive options without ever knowing it.
I work the phone, not your living room. If you'd rather handle this on your lunch break than have someone sit on your couch for two hours, we'll get along fine.
Let's find your family the most affordable coverage.
Under 2 minutes. No pressure. No obligation.
Privacy & Terms
Last updated April 21, 2026
Privacy Policy
Independent Island Life Insurance ("we," "us," "our") respects your privacy. This policy explains what we collect, how we use it, and how we protect it.
Information We Collect
We collect information you provide directly — name, email, phone, date of birth, height, weight, tobacco/nicotine use, prescribed medications, and state of residence — when you request a quote or contact us.
How We Use Your Information
We use your information to shop quotes across carriers, respond to your inquiry, and follow up about coverage options. We do not sell your information.
SMS Text Messaging
By submitting your phone number and checking the SMS consent box on the quote form, you consent to receive SMS messages from Independent Island Life Insurance related to your quote request, policy follow-up, appointment reminders, and customer care. Message frequency varies, up to 2 messages per month. Message and data rates may apply.
Non-Sharing of Mobile Information
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors supporting our services is permitted only as needed to respond to your inquiry. All other use categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
SMS Opt-Out & Help
You may opt out at any time by replying STOP to any message. Reply HELP for assistance, or contact us at 435.200.4869. Consent is not a condition of purchase.
Information Sharing
We share information only with the carriers you authorize us to shop on your behalf. We do not sell or rent your information.
Data Security
We use reasonable safeguards to protect your information. No system is 100% secure.
Cookies
We use basic analytics cookies to understand site usage. You can disable cookies in your browser.
Changes to This Policy
We may update this policy. Changes will be posted on this page with an updated effective date.
Contact
Questions? Contact Ray at [email protected] or 435.200.4869.
Terms of Service
By using this site or submitting a quote request, you agree to the following terms.
Use of Site
Information provided on this site is for general informational purposes. Actual rates, availability, and underwriting are determined by the issuing carrier.
SMS Terms
- Opt in: by checking the SMS consent box on the quote form.
- Opt out anytime by replying STOP.
- Text HELP for assistance.
- Message frequency: up to 2 messages per month.
- Message and data rates may apply.
- Carriers are not liable for delayed or undelivered messages.
Privacy
See the Privacy Policy above for details on how we handle your information.
Contact
[email protected] · 435.200.4869
Email us:
Call us: (435) 200-4869
© 2026 Independent Island Life Insurance - All Rights Reserved. Helping families across the U.S. find affordable life insurance that fits their budget.