Life & Health

Life and health insurance, shopped across carriers.

Term life, final expense, and individual health coverage for families. Straightforward products, shopped across carriers, with a real person who explains the differences.

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Two ways we handle life insurance

Most life insurance decisions are simple: you want a number, for a term, at a fair price. That's this page, and it starts with a quote.

Some aren't simple. If you're funding a buy-sell agreement, insuring a key employee, or solving an estate tax problem, the coverage has to be sized to an obligation and coordinated with your attorney and CPA. That's planning work, not a quote — and it lives over on our planning side.

Both are us. We'll tell you honestly which conversation you're actually having.

What we write

Protect income

01Term life insuranceCoverage for a set number of years, at a set price, so your family isn't left with the mortgage and the bills if you're not here.02Mortgage protection insuranceCoverage sized to pay off the house if you die before it's paid for — structured so the money goes to your family, not straight to the lender.

Permanent

01Whole life insurancePermanent coverage with a premium that never increases, a death benefit that never expires, and a cash value that grows on a guaranteed schedule.02Final expense insuranceA smaller permanent policy meant to cover funeral costs, medical bills, and the expenses that fall to family in the weeks after a death.03Children's life insuranceA small permanent policy on a child or grandchild, usually bought for the guaranteed insurability rather than the death benefit.

Health

01Health insuranceACA marketplace and off-marketplace plans for individuals and families under 65.

01Indexed universal lifeA permanent life insurance policy that can also build accessible cash value when structured correctly.02Group benefitsHealth, dental, vision, life, and disability. The most underused retention tool a small employer has.

Both are us. We'll tell you honestly which conversation you're actually having.

We don't write Medicare. If you're turning 65 or already on Medicare, we'll point you to someone who specializes in it rather than pretending we do.

Where we work

CLG is licensed in 21+ states, and works with clients remotely as well as in person.

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Term life, final expense, and individual health coverage for families. Straightforward products, shopped across carriers, with a real person who explains the differences.

Request a quote