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Bryan is an Independent Agent who provides a wide range of insurance products to meet the unique needs of clients. He is dedicated to helping clients protect their financial well-being by offering various types of insurance products that cater to their specific needs in various states.



Mortgage Protection

Mortgage protection is a type of insurance that can help you pay your mortgage in the event that you are unable to make your payments due to unforeseen circumstances such as illness or job loss. This type of insurance typically covers the policyholder for a specified period of time, providing financial support to help them keep up with their mortgage payments. Mortgage protection can give you peace of mind knowing that you and your family are protected in the event of a financial hardship. It's important to note that mortgage protection is different from mortgage insurance, which is typically required by lenders to protect them in the event that a borrower defaults on their mortgage payments.

Index Universal Life

Indexed Universal Life (IUL) insurance is a type of permanent life insurance policy that combines a death benefit with a savings component. Like other types of permanent life insurance, IUL policies provide coverage for the policyholder's entire lifetime, as long as the premiums are paid. In addition to the death benefit, IUL policies also have a cash value component, which earns interest based on the performance of a stock market index, such as the S&P 500. The cash value of an IUL policy grows tax-deferred, meaning that the policyholder does not have to pay taxes on the gains until they withdraw the money. The policyholder can also use the cash value to pay premiums or take out a loan against the policy.

Term + Return of Premium

A term life insurance policy with a return of premium (ROP) feature is a type of policy that provides a death benefit to the beneficiaries if the insured person dies within the term of the policy. However, if the insured person outlives the term of the policy, the insurance company returns the premiums paid during the term of the policy to the policyholder.



Final expense insurance is a type of life insurance policy that is designed to cover the costs of a person's funeral and other end-of-life expenses. The policy typically provides a modest amount of coverage, usually ranging from $5,000 to $50,000, depending on the policyholder's needs and budget. This coverage amount is intended to cover expenses such as funeral costs, burial or cremation expenses, and other related costs, such as the cost of a headstone or memorial service.

General Whole Life

Whole life insurance is a type of life insurance policy that provides coverage for the entirety of the policyholder's life, as long as the policy premiums are paid. In addition to providing a death benefit to the policyholder's beneficiaries upon the policyholder's death, whole life insurance also has a savings or investment component. Premiums for whole life insurance policies are typically higher than those for term life insurance policies, as the coverage lasts for the policyholder's entire life and there is an investment component to the policy. The investment component of a whole life insurance policy is typically in the form of a cash value account, which earns interest over time and can be borrowed against or withdrawn by the policyholder.



Children's whole life insurance is a type of whole life insurance policy that is designed to provide coverage for a child's entire life. Like traditional whole life insurance policies, children's whole life insurance policies have a savings or investment component in addition to the death benefit. Indexed Universal Life (IUL) is a type of life insurance policy that combines a death benefit with a savings component that can potentially grow over time. Children's Indexed Universal Life (CIUL) is a version of this policy that is designed specifically for children.



A fixed indexed annuity (FIA) is a contract between an individual and an insurance company. It is a type of annuity that provides a guaranteed minimum interest rate, along with the potential for additional interest based on the performance of an underlying index, such as the S&P 500. FIAs are designed to offer a balance between the security of a fixed annuity and the potential for higher returns of a variable annuity. The interest credited to the annuity is based on the performance of an underlying index, but there is a cap on the amount of interest that can be earned. This means that the annuity holder can participate in market gains, but will not experience market losses.



"Living benefits" refers to features that are included in some life insurance policies that allow policyholders to access a portion of their death benefit while they are still alive under certain circumstances.

Infinite Banking Concept

IBC stands for Infinite Banking Concept, which is a personal finance strategy that involves using a specially designed whole life insurance policy as a savings and investment tool. With an IBC policy, the policyholder pays premiums that are used to build up cash value within the policy over time. This cash value can then be borrowed against, essentially allowing the policyholder to use it as their own personal bank. The policyholder can borrow from the policy to fund various expenses or investments, and then pay the loan back over time with interest.


Accidental Death Benefit (ADB) is a type of life insurance policy rider that pays out an additional death benefit to the policy's beneficiaries in the event the policyholder dies as a result of an accident. ADB is designed to provide extra financial protection to the policyholder's loved ones in case of an unexpected and sudden death. The benefit is usually paid out in addition to the policy's base death benefit, which is paid out if the policyholder dies from any cause, including natural causes. To qualify for an accidental death benefit, the policyholder must typically die within a specific time period after the accident, usually within 90 days. The cause of death must also be directly attributable to the accident. Examples of accidents that may be covered include car accidents, falls, drowning, and fires, among others.

General Term Life

Term life insurance is a type of life insurance policy that provides coverage for a specific period of time, typically ranging from one to thirty years. If the policyholder dies during the term of the policy, the death benefit is paid out to the designated beneficiary. Term life insurance is often purchased to provide financial protection for loved ones in the event of the policyholder's death. It can be used to pay for expenses such as funeral costs, outstanding debts, and living expenses. Term life insurance policies are typically less expensive than permanent life insurance policies because they do not accumulate cash value or provide coverage for the policyholder's entire lifetime. Instead, they offer straightforward protection for a set period of time.

SBA Loan Life Protection

The U.S. Small Business Administration (SBA) does not require life insurance as a condition for obtaining a loan. However, some lenders who participate in SBA loan programs may require life insurance as a way to mitigate their risk in the event of the borrower's death. If a lender requires life insurance as a condition of an SBA loan, the borrower will typically be required to obtain a life insurance policy and name the lender as the beneficiary. The amount of coverage required will depend on the size of the loan and the lender's risk assessment.

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Bryan White





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