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Our Carriers
Types of Life Insurance
Term Life Insurance
Provides coverage for a specific period (e.g., 10, 20, or 30 years). It’s generally the most affordable option and is ideal for those looking for temporary protection, such as until children are grown or a mortgage is paid off.
Whole Life Insurance
Offers lifelong coverage with a guaranteed payout. It also builds cash value over time, which can be borrowed against. This is a good option for those looking for stable, long-term protection.
Indexed Universal Life Insurance
Combines lifetime coverage with flexible premiums and the potential to earn interest based on stock market performance. It’s suitable for those who want flexibility and long-term growth potential.
Why Choose US Life Advises?
Custom Coverage Plans: Tailored insurance solutions for life, mortgage, final expense, and retirement.
Affordable and Flexible: Plans that fit your budget, with no surprise fees.
Expert Guidance: Work with experienced agents who care about your financial security.
Peace of Mind: Ensure your family’s future is protected against the unexpected.
We Compare Top Carriers for You!
At US Life Advisors, we work with a wide range of top-rated insurance carriers, allowing us to shop around and compare policies to find the best fit for you. Our goal is to ensure you get the coverage that meets your unique needs at the most competitive rates. By partnering with various carriers, we provide tailored options that give you flexibility and peace of mind, whether you're looking for affordable term life coverage or comprehensive lifelong protection.
Not sure how much Life Insurance you need?
A good way to calculate your coverage is by using the DIME rule. Add up your Debt, Income replacement (for the number of years your family would need support), Mortgage balance, and Education costs for your children. Click to learn more.
Meet The Management Team
David Schneider
David Schneider is a seasoned insurance leader and the Head Managing Partner at US Life Advise. With a deep commitment to financial security and strategic risk management, he plays a pivotal role in guiding the firm’s vision and growth. Senior Vice President, David leads with expertise, ensuring clients receive tailored life insurance and retirement solutions. His leadership drives innovation and trust, helping individuals and families build a secure financial future.
Senior Vice President
Chuck Knox
Chuck Knox is a dedicated insurance professional and trusted leader at US Life Advise. As Vice President, he brings extensive experience in life insurance, retirement planning, and financial protection. His commitment to client-focused solutions ensures individuals and families receive the best strategies for long-term security. With a passion for helping others navigate their financial future, Chuck is a driving force behind US Life Advise’s mission to provide expert guidance and peace of mind.
Vice President
Prom Manuel
Manuel Prom is a skilled sales leader with a passion for helping clients achieve financial security. As Sales Manager at US Life Advise, he oversees a dedicated team, ensuring they deliver top-quality insurance and retirement solutions. With a strong focus on client education and personalized service, Manuel works to empower individuals and families with the protection they need for a secure future. His dedication to excellence and strategic approach make him an integral part of the company’s continued success.
Sales Manager
Rob Zoba
Rob Zoba is a highly knowledgeable IUL (Indexed Universal Life) specialist committed to helping clients maximize financial growth and protection. With a deep understanding of wealth-building strategies, he educates individuals and families on the benefits of IUL policies for retirement planning, tax advantages, and legacy preservation. Rob’s expertise and client-focused approach ensure tailored solutions that align with long-term financial goals, making him a trusted resource at US Life Advise.
Specialist
Jennifer DePasquale
Jennifer DePasquale is the backbone of efficiency at US Life Advise. As Operations Manager, she oversees daily operations, ensuring seamless processes and exceptional client service. With a strong background in organization and strategic management, Jennifer plays a vital role in optimizing workflow and supporting the company’s growth. Her dedication to excellence keeps the team running smoothly, allowing clients to receive the highest level of care and financial guidance.
Operations Manager
Christian Dean
Christian Dean is a dedicated IUL (Indexed Universal Life) specialist focused on helping clients build wealth and secure their financial future. With deep expertise in tax-advantaged strategies and cash value growth, he educates individuals and families on how IUL policies can provide both protection and long-term financial flexibility. Christian’s client-first approach ensures personalized solutions tailored to each person’s unique goals, making him a trusted advisor at US Life Advise.
Specialist
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Frequently Asked Questions
What’s the difference between term life and whole life insurance?
Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and is typically the most affordable option. It’s ideal if you need coverage for a set time, such as until your mortgage is paid off or your children are grown. Whole life insurance, on the other hand, offers lifetime coverage with a guaranteed payout and builds cash value over time. It's a good option for long-term financial planning.
How do I calculate how much life insurance I need?
A good way to calculate your coverage is by using the DIME rule. Add up your Debt, Income replacement (for the number of years your family would need support), Mortgage balance, and Education costs for your children. This ensures you have enough coverage to meet your family’s financial needs.
Is life insurance expensive?
Life insurance is often more affordable than people think, especially if you purchase a policy while you're young and healthy. Term life insurance is generally the most cost-effective, with coverage often available for just a few dollars per month.
What happens if I outlive my term life insurance policy?
If you outlive your term life policy, the coverage ends, and no benefit is paid. However, some policies offer the option to convert to whole life insurance or renew for another term. It’s important to review your options before your term ends to ensure continued coverage if needed.
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