Here's how this site works
- See your optionsBrowse coverage types in plain words.
- Answer what fitsA few questions so we tailor it to you.
- Get matchedWalk through options that fit your life.
Independent agent affiliated with Symmetry Financial Group
Small Habits. Big Protection.
See how the money you spend on everyday extras could protect your family's future instead.
Try the FAST CalculatorBook a free callWant a deep dive, curated for you?Takes under 15 minutesTakes under five minutesA quick chat, a few questions, then your options. No exam. What would it mean for your family to have this handled?
Licensed in Colorado, Florida, Pennsylvania, Texas, and Utah
Live outside Colorado, Florida, Pennsylvania, Texas, or Utah? No problem. I'm with an IMOAn IMO — Independent Marketing Organization — is a network that gives me access to dozens of carriers and licensed agents nationwide. So even where I'm not licensed, I can still get you matched with an agent in your state who can write your policy., so I can connect you with a trusted agent licensed in your state.Live outside Colorado, Florida, Pennsylvania, Texas, or Utah? No problem. I'm with an , so I can connect you with a trusted agent licensed in your state.
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The FAST Calculator
Fast food, Alcohol, Subscriptions, Takeout. Choose how often you spend, then enter your amounts (subscriptions are per month). After you calculate, you'll also see a yearly estimate of how much you're spending.Enter your everyday spending in the FAST Calculator, then go down to the quick Estimator, and see what it adds up to when it's automatically uploaded to the FAST Spending vs. Protection Comparison.See what you spend daily compared to what protection would cost. Enter your info in the FAST Calculator and the Estimator, and your numbers are automatically put together in the FAST vs. Protection Comparison, so you can see your surplus or shortfall at a glance.
Quick Quote Estimator
Rough monthly ranges for three common policy types, assuming good health.
Based on of coverage
These estimates are based on average standard rates. Your actual cost can differ depending on your health, tobacco use, coverage details, and how the policy is structured (such as how it's funded, its riders, and its benefit design), which varies by carrier.
These are rough estimates assuming good health. Real quotes may be higher or lower depending on the carrier and a full application. Not a real carrier quote.
Your FAST Spending vs. Protection
Comparison uses the midpoint of each estimated range.Scroll down to find out what you really want
You're spending /month on FAST. Scroll down to find out what you really wantLet's find out what you really want
No forms, no pressure — just a few honest questions so we can point you to the right next step.
Your answers stay on this page unless you choose to send them to Godric.
Want to see the comparison of what you're spending now versus what you could be paying to protect the mortgage?
Know Your Options
A quick look at the three types of life insurance in the estimator.
Term Life
- Pure protection for a set period, such as 20–30 years.
- Typically the lowest-cost option.
- No cash value.
- Coverage ends when the term ends.
Product features and rules vary by state and carrier.
Whole Life
- Permanent coverage for your whole life.
- Premiums never rise.
- Builds cash value you can borrow against.
- Typically the most expensive option.
- Final expense is just a smaller form of whole life, typically used for burial costs and/or remaining debts.
Product features and rules vary by state and carrier.
IUL (Indexed Universal Life)
- Permanent coverage.
- Cash value growth is tied to a market index, such as the S&P 500. (For context, the S&P 500 has historically averaged around 10% a year over the long run.)
- Gains are subject to a cap; a floor (often 0%) means index losses aren't credited in a down year.
- Policy fees and charges still apply and can reduce cash value.
- Growth can be near zero if the index underperforms.
Product features and rules vary by state and carrier.
Mortgage Protection
Even if coverage doesn't wipe out the entire balance, it can keep your family in the home for six months or more — the average time it takes a realtor to sell a house — giving them room to grieve and sell at fair equity value instead of selling at a loss.
Mortgage protection is life insurance designed to pay off your mortgage if you pass away, so your family keeps the home instead of losing it. It's not a separate product — it's term, whole, or IUL used specifically to cover the mortgage balance.
Term is the go-to choice because it's the cheapest option and it covers the window when the mortgage hurts most — the early years when the balance is highest and equity is lowest. You can pick a term that matches your mortgage, 10 to 30 years, so coverage runs exactly as long as the debt does.
Many families choose it because they don't want their regular life insurance or employer coverage drained to pay off the house — mortgage protection keeps those policies intact for other needs.
Coverage starts at a few dollars a day — see your number in two minutes.
Product features and rules vary by state and carrier.
Understanding Indexed Universal Life
Indexed universal life is permanent life insurance. Its main purpose is a death benefit for the people you love. Premiums are flexible, and you can add to what you're already paying, but federal tax law limits how much you can pay in. Within those limits, paying more in premium generally leaves more money in the policy after charges, which gives the cash value more room to grow over time. That growth is not guaranteed and depends on index crediting, caps, and policy charges. For context, the S&P 500 has averaged roughly 10% a year historically, but that is an average, not a promise, and an IUL is credited only part of that growth because of caps and participation rates. Paying more than the seven-pay limit makes the policy a modified endowment contract, which changes how loans and withdrawals are taxed. Illustrations show guaranteed and non-guaranteed values, and actual results may be higher or lower.
Why I Got Coverage
- My 20-year term policy: $500,000 coverage · about $35/month
- My IUL: $50,000 starting death benefit · projections not guaranteed
At 29, I realized I was spending more on takeout and drinks every month than on protecting my family, so I started with a 20-year term policy: $500,000 of coverage for about $35 a month, with critical illness, chronic illness, and terminal illness riders activated. It also lets me convert to permanent coverage later without proving my insurability again, so if my health changes, I'm not locked out.
The deeper I got into the insurance business, the more I heard about IUL, and the more I talked to people on the phone who were too sick at 65 to get coverage, who thought they had it through their job, or who thought they had more time. Life insurance is one of those things where the earlier you start, the more value it gives you over time, and waiting until life tells you your time is coming isn't a plan. So I added an Indexed Universal Life (IUL) policy to build something for my own future. It starts with a $50,000 death benefit, and the carrier's illustration projects $282,328 by age 65, with $231,417 in cash value after $72,827 in total premiums, assuming a 7.43% index rate (not guaranteed). For context, the S&P 500 has averaged around 10% a year historically, though an IUL is credited only part of that growth because of caps. It also includes critical, chronic, and terminal living benefits plus over loan protection. Those IUL figures are projections, not guarantees, so the actual amounts could end up higher or lower.
My term premium and IUL premium are separate. IUL projections come from the carrier's illustration, are not guaranteed, and depend on index performance and policy charges. Living benefits and cash value access depend on the policy, carrier, and state.
Disclosures: Figures are based on my personal IUL and the carrier's illustration. Cash value and death benefit are not guaranteed and may be higher or lower. This page is educational only and is not an offer to sell insurance. Guarantees are backed solely by the issuing insurer. Licensed in CO, PA, and TX.
Important Disclosures
The figures on this page are based on my personal Index Universal Life policy and the carrier's current illustration. Cash value and death benefit projections are not guaranteed — they depend on index performance and policy charges, and actual results may be higher or lower than projected. Premiums are not tax-deductible, and loans or withdrawals may reduce the death benefit and cash value. This page is for educational and informational purposes only and does not constitute an offer to sell or a solicitation to buy any insurance product. Guarantees are backed solely by the claims-paying ability of the issuing insurance company. I am an independent life insurance producer licensed in Colorado, Florida, Pennsylvania, Texas, and Utah. For details specific to your situation, please contact me directly.
Book a free 15-minute call.
We'll talk through your situation — what you're trying to solve, and the details carriers need like your age, health, and coverage amount. That way I can do the research and bring you accurate options, not guesses. No pressure, no obligations.
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Frequently Asked Questions
Is this really free?
Yes. The calculator and estimates cost nothing, and no credit card is needed.
Do I have to buy anything?
No. You can see your numbers and leave. Booking a call is optional.
Are these real quotes?
No. They're rough estimates assuming good health. Your real rate depends on the carrier and a full application, and could be higher or lower.
How do I verify you're a licensed agent?
You can verify me two ways. Search my name or NPN 22187995 on NIPR's free national lookup at https://nipr.com. Or check your state's insurance department:
- Colorado Division of Insurance (https://doi.colorado.gov)
- Texas Department of Insurance (https://www.tdi.texas.gov)
- Pennsylvania Insurance Department (https://www.pa.gov/agencies/insurance)
Each has a free license search.
This site provides general information only; insurance rules vary by state.
Let's Talk About Protecting Your Family
Get a real quote tailored to you — no pressure, just answers.
Contact Godricvia email Book a free callGodric Sam Otuh · godric@godricinsurance.com · 720-437-9712 (quotes line) · Text me
What's an IMO?
An IMO — Independent Marketing Organization — is a network that gives me access to dozens of carriers and licensed agents nationwide. So even where I'm not licensed, I can still get you matched with an agent in your state who can write your policy.
I can connect you with an agent assigned specifically to your state to get you written.
What's an IMO?
An IMO (Independent Marketing Organization) lets me shop coverage across multiple carriers to find the right fit for you. And if you live somewhere I'm not licensed, I can usually connect you with a trusted agent in your state — almost anywhere in the country.
Not sure yet? Start with the FAST calculator and see. Ready now? Go straight to your free quote.
Why get life insurance now?
Life insurance is about protecting the people who count on you. If something happened to you, a policy can help replace your income so your family can keep up with everyday bills, pay off a mortgage or other debts, and cover final expenses without draining savings.
Timing matters, too. Rates are based largely on your age and health, so applying while you're younger and healthier usually means a lower monthly premium, and many policies lock that rate in for as long as the policy lasts.
Life insurance can help while you're living, too. Many policies include living benefits, which may let you use part of your death benefit early if you're diagnosed with a qualifying serious, chronic, or terminal illness or injury. That money can help with medical bills, lost income, or everyday costs when you need it most.
Some types of coverage can also build cash value over time that you may be able to use later. Features vary by policy and state, and every situation is different, so a free quote shows what fits your monthly budget.
Term Life
Term life covers you for a set period, usually 10, 20 or 30 years. If you pass away during that term, your beneficiaries receive the death benefit. Because it's your own policy, not tied to an employer, your coverage follows you wherever you go, even if you change jobs or move, as long as premiums are paid.
Many people choose term to cover the years when others depend on them most: while kids are growing up, while you're paying off a home, or while you build up savings. It's also a popular choice for mortgage protection, because it's affordable and covers the years when your loan balance is highest and your home equity is lowest.
Because it covers a specific window and doesn't build cash value, term is usually the most budget-friendly way to get a large amount of coverage for a low monthly cost. The monthly premium typically stays level for the term you choose, and some policies can be renewed or converted to permanent coverage later.
Many term policies also include living benefits, which may let you use part of the death benefit early if you're diagnosed with a qualifying serious, chronic or terminal illness. Features vary by policy and state.
Mortgage Protection
Mortgage protection is life insurance sized to your home loan. The goal is simple: if you pass away, your family receives money they can use to pay off or keep up with the mortgage, so they can stay in the home. Because it's your own policy, not tied to an employer, your coverage follows you wherever you go, even if you change jobs or move, as long as premiums are paid.
Coverage is usually matched to your loan balance and the years left on it, with a monthly premium that fits your budget. The benefit is paid to your beneficiaries, not the lender, so your family decides how to use it.
Some plans also include living benefits, which may let you access part of the benefit early if you have a qualifying serious illness or injury. Features vary by policy and state.
Indexed Universal Life
Indexed universal life (IUL) is permanent life insurance that can last your whole life and builds cash value. Part of your monthly premium goes into cash value, and its growth is tied to the performance of a market index, without investing directly in the market. Because it's your own policy, not tied to an employer, your coverage follows you wherever you go, even if you change jobs or move, as long as the policy stays funded.
A floor, often 0%, protects your cash value from market losses when the index goes down. In exchange, growth is limited by caps and participation rates, so you receive only part of the index's gains. Growth is not guaranteed, and policy fees and charges affect results.
For context, the S&P 500 has averaged roughly 10% a year historically, but that's an average, not a promise, and an IUL is credited only part of that growth because of caps and participation rates. Before you buy, the carrier gives you an illustration, a projection of what your cash value could look like by a certain age based on assumed rates. Those projections are not guaranteed, and your actual results could be higher or lower.
Because cash value builds over time, the younger you start, the more years it has to grow.
Whole Life
Whole life insurance is designed to cover you for your entire life, as long as premiums are paid. Your monthly premium is locked in and won't go up as you get older, and the death benefit is guaranteed. Because it's your own policy, not tied to an employer, your coverage follows you wherever you go, even if you change jobs or move.
Your policy also builds cash value at a guaranteed rate, typically around 2% to 4% a year depending on the policy. That means your cash value keeps growing no matter what the market does, and you may be able to borrow against it later. Because of these guarantees, whole life usually costs more each month than term for the same amount of coverage.
Timing makes a real difference. Cash value usually takes 10 to 15 years to really build up, so the earlier you start, the more likely you are to actually enjoy it, whether you borrow against it or surrender the policy and cash out a significant portion. Start later in life, and that cash value may never have the time it needs to grow. Keep in mind that surrendering ends your coverage, and early surrenders may have charges.
Many people use whole life to make sure final expenses like funeral costs are covered, or to leave a legacy for their children, grandchildren or a cause they care about.
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Visit sfglife.com (opens in a new tab)Why get life insurance now?
Typically, the best time to look at life insurance is now, because we don't get back the time we miss. But I'm not here to assume anything about your life. I want to make sure you get exactly what fits you, and these questions are designed to help you figure that out.
Ask yourself these questions
- 1If something happened to me, God forbid, what do I have in place right now to take care of my family, if anything?
- 2If something happened to me tomorrow, who would be the first person to feel it financially?
- 3If my family lost my income, how long could they honestly keep things running the way they are now?
- 4If I'm confident my kids, or whoever in my family, would be able to cover the bills, would that be something I'd want them worrying about while they're already dealing with losing me?
- 5If they couldn't cover everything, what might they have to let go of first: the home, their plans, or their time together?
- 6As my priorities shift toward protecting the people around me, would I rather lock in coverage now, or wait and risk paying more or not qualifying?
- 7If my health changed next year, how might that affect what coverage costs me, or whether I could still get it?
- 8If I had coverage in place that took care of all that, how would it feel to know my family's plans would go on no matter what?
- 9Of everything I just thought about, what matters most to me to protect, and why?
- 10If this could be settled in one short, easy conversation, what would help me feel ready to have it?
- 11Nobody plans to get sick, but almost everyone knows someone who did. The right coverage can pay you while you're still alive, through a critical, chronic, or terminal illness. If that ever happened to me, would I want my coverage there for me, or only after I'm gone?
- 12What feels like the wiser choice for me — putting coverage in place now while I can get the most from it, or leaving it to whatever the future brings?
- 13If I have coverage through work, what happens to it if I change jobs or the job goes away?
1Your situation
- 1If something happened to me, God forbid, what do I have in place right now to take care of my family, if anything?
- 2If something happened to me tomorrow, who would be the first person to feel it financially?
- 3If my family lost my income, how long could they honestly keep things running the way they are now?
- 4What bills or plans in my home depend on my income right now, like the mortgage or rent, the car, childcare, or school?
- 5If I have coverage through work, what happens to it if I change jobs or the job goes away?
2What's at stake
- 1If I'm confident my kids, or whoever in my family, would be able to cover the bills, would that be something I'd want them worrying about while they're already dealing with losing me?
- 2If they couldn't cover everything, what might they have to let go of first: the home, their plans, or their time together?
- 3As my priorities shift toward protecting the people around me, would I rather lock in coverage now, or wait and risk paying more or not qualifying?
- 4If my health changed next year, how might that affect what coverage costs me, or whether I could still get it?
- 5Nobody plans to get sick, but almost everyone knows someone who did. The right coverage can pay you while you're still alive, through a critical, chronic, or terminal illness. If that ever happened to me, would I want my coverage there for me, or only after I'm gone?
- 6What has waiting meant for me so far, and what would it mean for the people I love to have this taken care of?
3What it would mean
- 1If I had coverage in place that took care of all that, how would it feel to know my family's plans would go on no matter what?
- 2Of everything I just thought about, what matters most to me to protect, and why?
- 3If the mortgage, the bills, and my kids' future were already handled, what would that free me up to focus on today?
- 4What would it mean to me to know I'd done this for them while I still could?
- 5What feels like the wiser choice for me — putting coverage in place now while I can get the most from it, or leaving it to whatever the future brings?
- 6If this could be settled in one short, easy conversation, what would help me feel ready to have it?