Life insurance, explained by one person who will still answer the phone next year.
Alec Rounsaville is an independent life insurance broker licensed in 20 states. Term life, whole life, final expense. He compares eight carriers for you, tells you which one actually fits, and handles the whole thing by phone. No office visit, no pressure.
Independent broker. Not a carrier, not a call center, not a government program.
Three kinds of life insurance, in plain words.
Term life covers you for a set number of years, usually ten to thirty, for the lowest monthly cost. It is built for the years when someone depends on your income: a mortgage, kids at home, a spouse who would need to keep the house.
Whole life never expires. The premium is fixed the day the policy is issued, it does not go up when you get older or your health changes, and it builds cash value you can borrow against. It costs more per month than term because it is meant to pay out no matter when.
Final expense is a small whole life policy, usually between $5,000 and $40,000, sized to the bills your family gets in the weeks after you pass. No medical exam, a short list of health questions, and most people with diabetes, blood pressure or heart history can still be covered. Which carrier says yes is Alec's job.
How it works
- 1
Tell Alec a little about yourself
Your age, your state, who depends on you, and what you want the policy to do: cover final expenses, replace an income, pay off a mortgage, or leave something behind. Two minutes on the form or one phone call.
- 2
He compares the carriers for you
Alec is independent and appointed with eight carriers. He runs your details through each one and comes back with the two or three that fit you best, with the real monthly cost of each.
- 3
You choose, and the policy is yours
Most applications are done over the phone with a few health questions, and most need no exam. Many are approved within days. The policy is issued in your name and Alec stays your agent for the life of it.
Carriers Alec is appointed with: Mutual of Omaha, Transamerica, Corebridge Financial, Foresters Financial, American Amicable, F&G, SBLI, Ethos.
About Alec
Alec is based in Illinois and works with families across 20 states. He is an independent broker, which means he does not work for any one insurance company. He is appointed with eight carriers and gets paid the same whichever one you pick, so the only reason to recommend one over another is that it fits you better.
Most of his clients have been putting this off. They usually want two things: to know their family will be taken care of, and to not be talked down to while they sort it out. He takes both seriously.
You will talk to Alec directly, on the first call and every call after it. If he is on the line with someone else, he calls you back the same day.
Licensed in 20 states
- Alaska
- Arizona
- California
- Colorado
- Florida
- Illinois
- Kentucky
- Maryland
- Michigan
- Minnesota
- North Carolina
- New Jersey
- Ohio
- Pennsylvania
- South Carolina
- South Dakota
- Texas
- Virginia
- Washington
- Wisconsin
Everything is done by phone and e-signature, so it does not matter which of these you live in. If your state is not listed, Alec cannot write your policy and will tell you so on the first call.
Questions people ask before they call
Term or whole life. Which one do I need?
Term life covers you for a set number of years, usually 10 to 30, for the lowest monthly cost. It fits a mortgage, young kids, or an income that needs replacing. Whole life costs more per month but never expires and builds cash value. Final expense is a small whole life policy sized to the bills your family gets when you pass. Most people end up with one or the other, some with both. Alec will tell you which fits, not which pays him more.
What does final expense insurance actually cover?
It is a small whole life policy, usually between $5,000 and $40,000, meant to cover what your family owes when you pass: the funeral home, the burial or cremation, the headstone, the last medical bills, and whatever else lands on the kitchen table that month. The money is paid to the person you name, and they can use it however they need to.
Do I need a medical exam?
Usually not. Most of what Alec writes uses a short set of health questions instead of an exam, with no blood work and no nurse visit. Larger term policies sometimes ask for one, and Alec will tell you up front if yours does. Many people are approved within a day.
Can I get coverage with health problems?
Usually, yes. Diabetes, high blood pressure, heart history, COPD and past cancer are all things carriers see every day, and different carriers treat them differently. That is the point of working with an independent broker: Alec knows which carrier will take which condition.
Can the premium go up, or the policy be cancelled?
Not while the policy is in force. Your premium is fixed the day it is issued, for the full term on term life and for life on whole life, as long as you keep paying it. The carrier cannot raise your rate because you got older or your health changed, and cannot cancel you.
What does it cost?
It depends on your age, sex, health, tobacco use, state, the type of policy and the amount of coverage. There is no honest way to put one number on a website. Alec will give you exact figures from several carriers before you decide anything.
Is Alec an insurance company?
No. He is an independent, licensed insurance broker. He is not a carrier and is not affiliated with any government agency, Social Security or Medicare. If you take a policy, the carrier pays him a commission; you never pay him directly.
Get your numbers from Alec
Tell him a little about your situation. He will compare the carriers and call you back with real monthly figures, the ones that fit and the ones that do not.
- You talk to Alec, not a call center.
- Your details are never sold to other agents.
- Most policies need no exam.
- Prefer to talk now? Call (815) 715-7145.