
Indexed Universal Life
Build tax-advantaged wealth while your family stays protected.
- Cash value grows with market indexes, with a 0% floor in down years
- Access your money tax-free through policy loans
Licensed insurance professionals · NPN 12345678 · Licensed in all 50 states
Purlife matches families, homeowners, and near-retirees with the right coverage from 15+ A-rated carriers, in one free 15-minute conversation.
Licensed in all 50 states and independently appointed with 15+ A-rated carriers, so your options come from the whole market, not one company's rate card.
No jargon, no pressure. Every plan is shopped across 15+ carriers so the recommendation fits your life — not a sales quota.

Build tax-advantaged wealth while your family stays protected.

Spare your loved ones the burden of funeral costs.

Keep your family in the home, no matter what happens.

Turn savings into guaranteed income you can't outlive.
No paperwork marathons and no pushy calls. Just a clear, honest path from first hello to active coverage.
Pick a time that works for you. We talk about your family, your budget, and what you actually want coverage to do.
We shop your profile across 15+ A-rated carriers and show you the two or three options that genuinely fit. You choose.
Apply in minutes. No-exam policies are often approved within 24 to 72 hours — sometimes the same day.
Watch: what a 15-minute Purlife call actually looks like
No obligation. No pressure. No cost for the consultation — ever.
We started Purlife after watching a family in our own community lose their home six months after losing their father. He wasn't uninsurable. He just kept meaning to get to it, and nobody ever made it simple enough to finish.
That's the whole job here: make protecting your family so clear and so easy that you actually get it done. We're independently licensed, which means we answer to you, not to any single insurance company. If a carrier's product isn't right for you, we skip it and find the one that is.
One call. Honest numbers. Coverage that fits. That's the promise.
"I'd been paying my bank's mortgage insurance for three years. One call and I had better coverage, with living benefits, for $84 less a month. I honestly didn't believe it until the policy arrived."
"After my diabetes diagnosis, two companies turned me down flat. Purlife found a carrier that said yes, no exam, approved in two days. My kids are protected. That's everything."
"We expected a hard sell. Instead we got a 15-minute conversation, three clear options, and zero pressure. We ended up with term coverage for now and an IUL we're building for retirement."
"At 71 I assumed it was too late for me. It took one phone call and a few health questions. Now my daughter won't have to worry about a thing, and it costs less than my cable bill."
"Watching my 401(k) drop 20% twice in five years was enough. Moving part of it into a fixed indexed annuity gave us a floor. We finally sleep through market news."
Answer three quick questions. A licensed producer — not a call center — reviews your info and reaches out with honest numbers.
Your request is in. Want your numbers even faster? Grab a free 15-minute slot right now.
Book my call →No pitch, no pressure. Just clear answers about your options.
Still unsure about something? Ask on the call — that's what it's for.
Often, no. Many of our carriers offer no-exam policies for Final Expense and simplified-issue coverage. You answer a few health questions and can be approved in days — sometimes the same day.
Less than most people expect. Healthy applicants in their 30s and 40s often pay $30–$60 a month for meaningful coverage. Because we shop 15+ carriers, you see the real market price — not one company's rate card.
A decline from one carrier is not a decline from all of them. Every company weighs health history differently, and we specialize in placing coverage for people who were told no somewhere else.
Yes — no fee, no obligation. Licensed producers are paid by the carrier when a policy is placed, so you never pay us out of pocket, and you're free to walk away at any point.
We're independently appointed with 15+ A-rated carriers, including Mutual of Omaha, Americo, Aetna, Transamerica, Corebridge and John Hancock. Independent means we work for you — not for any one company.
With no-exam products, coverage can be issued 24–72 hours after applying. Fully underwritten policies typically take 2–6 weeks — we'll tell you which path fits your situation on the call.
New home. New baby. A birthday ending in zero. Whatever brought you here — the best time to lock in your rate is while you're a year younger than you'll ever be again.
The free Life Insurance Buyer's Checklist: the 9 questions to answer before you buy any policy, so you never overpay or under-cover.
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