Life Happens.
Be Prepared for the Inevitable.
Protection is a financial strategy, not a contingency plan. Stop leaving your family's future to chance. No more GoFundMe campaigns, no more car washes — just absolute security with IUL, Term, Whole Life, and Final Expense plans tailored for Fountain Hills families and the 1099 workforce.
The Financial System Wasn't Built For You
Many families and hard-working people are lacking basic protection, income security, and coverage. When the inevitable happens, the burden falls on loved ones.
Lacking Basic Protection
Over 40% of families do not have a single dollar in life coverage, leaving them completely exposed.
Inflation Eats Savings
Leaving money in standard bank accounts means losing purchasing power every single year to inflation.
Market Crashes Wipe Progress
One sudden economic downturn can erase a decade of hard-earned 401(k) and retirement progress overnight.
🚨 Don't Wait Until Options Become Limited
Approval and premium rates are heavily based on your current health and age. Waiting until tomorrow means higher costs, or worse, becoming completely ineligible for coverage. Safeguard your family today.
Check My Rate TodayFour Pillars. One Complete Strategy.
We specialize in multiple tiers of customized protection so you get exactly what fits your needs, budget, and goals.
Indexed Universal Life
Growth & Downside Protection
Accumulate tax-advantaged cash value tied to a market index (like S&P 500) with a 0% market floor. You never lose when markets drop. Popular with high earners and 1099 workers.
- 0% Market Floor Protection
- Tax-Free Retirement Income
- Living Benefits Included
Term Life
Maximum Protection, Low Cost
Pure protection for a defined period (10, 20, or 30 years). Ideal for young families, mortgage protection, and income replacement with highly affordable premiums.
- 10 / 20 / 30-Year Terms
- Convertible to Permanent
- Income & Debt Replacement
Whole Life
Lifetime Guarantees
Permanent lifetime protection with guaranteed cash value growth and predictable, level premiums that will never increase. A core asset for your estate plan.
- Guaranteed Cash Value
- Fixed Predictable Premiums
- Lifelong Legacy & Estate
Final Expense
Dignity & Certainty
Tailored whole life coverage designed specifically to cover end-of-life expenses, funeral costs, and medical debts, ensuring your family carries zero financial burden.
- Guaranteed Acceptance Options
- No Medical Exam Required
- Immediate Same-Day Coverage
Tailored Strategies for Your Specific Journey
Every single policy begins with understanding your unique life circumstances.
Families
Build a strong foundation that outlasts uncertainty. Whether you're protecting a mortgage, replacing your income, or building a college fund for children starting as early as 14 days old—we have you covered.
- Mortgage & Debt Protection
- Children's Wealth Accumulation
- Income Replacement
1099 Contractors
Your employer doesn't offer benefits. GSS Life does. Freelancers, gig workers, and self-employed entrepreneurs carry unique risks. We build portable, tax-advantaged strategies that move with you.
- Portable independent coverage
- IUL as a custom retirement vehicle
- Disability income riders
Seniors & Individuals
Straightforward options without the complex jargon. From guaranteed acceptance Final Expense plans to Whole Life with fixed, predictable premiums, we ensure you have peace of mind as you age.
- Guaranteed acceptance plans
- No medical exams required
- Fixed premiums that never change
Licensed States
AZ · FL · MI · NC · NV
"Here Today, Tomorrow,
and for LIFE!"
I have over 17 years of experience in this industry with 5 State Licenses (Arizona, Florida, Michigan, North Carolina, and Nevada) and certifications with top local and national companies. I've dedicated my career to helping Families, Individuals, Veterans, and Small Business Groups find premium, budget-friendly insurance solutions.
Beyond my insurance practice, I am an active church volunteer, football coach, and supporter of local food banks and blood donation centers. I am a faithful advocate for the homeless, veterans, and the needy, and a proud member of the Fountain Hills, AZ Chamber of Commerce.
Backed by Industry-Leading A-Rated Carriers
One conversation. Multiple A-rated carriers. We compare every option side-by-side so you get the right coverage at the best rate — no commission bias, no pressure.
Transamerica
A Rating
IUL & Term Specialist
Mutual of Omaha
A+ Rating
Top Final Expense
Securian / MN Life
A+ Rating
Premier IUL Growth
United Healthcare
A Rating
Term & Health Bundles
Guarantee Trust Life
A- Rating
Simplified Acceptance
Sample Monthly Premiums
Illustrative preferred non-tobacco rates. Final pricing depends on age, health class, state, and underwriting.
| Profile | Coverage | Product | Mutual | Trans. | Securian |
|---|---|---|---|---|---|
| Age 30 | $250K | 20Y Term | $18 | $19 | $21 |
| Age 40 | $500K | 20Y Term | $41 | $44 | $47 |
| Age 45 | $750K | 20Y Term | $72 | $76 | $81 |
| Age 65 | $25K | Whole | $68 | $74 | N/A |
Frequently Asked Questions
Everything you need to know about protecting your family's future.
What is an IUL (Indexed Universal Life)?+
An IUL is permanent life insurance with cash value that grows based on a market index (like the S&P 500), with a 0% floor so you never lose principal when markets drop. It offers tax-advantaged growth and tax-free retirement income through policy loans.
Can I lose money if the market drops?+
No. IUL policies include a 0% floor — when the index goes negative, your cash value credits 0% for that period, but you don't lose what you've accumulated. Your gains are locked in annually.
What is the difference between Term and Whole Life?+
Term covers you for a set number of years (10/20/30) at a low cost — pure protection. Whole Life covers you for life with guaranteed cash value growth and level premiums that never increase.
Can children qualify for life insurance?+
Yes — children as young as 14 days old can be covered. Juvenile whole life policies lock in low rates for life and build cash value usable for college or a first home.
How fast can approval happen?+
Many of our simplified-issue products approve in under 60 seconds with no medical exam. Fully underwritten policies typically take 1–3 weeks.
Let's Find the Plan That Fits Your Budget
Keith will help you shop top A-rated carriers to match your exact needs and budget. Our help comes at absolutely no cost to you.