Protect your income
Life Insurance
If your paycheck stopped tomorrow, would your family's life have to change? Life insurance replaces that income so the bills, the plans and the kids' futures stay on track.
Get a quote →Life Insurance · Mortgage Protection · Final Expense
Coverage that keeps your family's plans intact.
I help families understand their options in plain English, then find coverage that fits their health, their home and their budget. No pressure to buy, and no question is too basic.
- Licensed in all 50 states
- 15 carriers
- Free coverage reviews
- Answers in plain English
- No-pressure advice
My carrier partners
One agent. Fifteen carriers competing for you.
I'm not tied to one company's pricing or underwriting. I compare these carriers side by side and bring you the one that fits your health and your budget best.
Coverage I write
Find the right kind of coverage
Pick what you're interested in and I'll bring you real options. Not sure which one fits? That's what the free review is for.
Protect the home
Mortgage Protection
Keep the house in the family, no matter what happens. Cover your mortgage payments with permanent coverage, or pay off the full balance with term.
Learn how it works →Simple approval
Final Expense
A smaller whole life policy, often with no medical exam, built to cover funeral costs and final bills so your loved ones aren't left paying them.
Learn about final expense →Guaranteed for life
Whole Life
Fixed premiums, a guaranteed death benefit and cash value that grows over time. It never expires as long as premiums are paid.
Compare with term →Most affordable
Term Life
Coverage for a set number of years, like 10, 20 or 30. It's the lowest-cost way to protect your family while the kids are young and the mortgage is big.
Learn about term →Not sure where to start?
Book a free coverage review
We'll look at your family, your home and your budget together, and I'll show you what makes sense. It costs nothing and there's no obligation.
Book My ReviewLearning center
Straight answers before you buy
Short guides to the questions I hear most. Read at your own pace, then ask me anything.
MMortgage ProtectionCover the payments or pay it off, and why the bank only needs the payments made.
FFinal ExpenseWhat it covers, who it's for, and why it's easier to qualify for.
TTerm vs. Whole LifeA side-by-side comparison and how to choose.
$How Much Do I Need?Use the DIME calculator to estimate your number in two minutes.
?Common QuestionsMedical exams, health conditions, beneficiaries and more.
Guide · Mortgage Protection
Mortgage protection, explained
Mortgage protection is life insurance built around your home. If something happens to you, it makes sure your family can stay in the house you worked so hard for. There are two ways to set it up.
Why covering the payments works
The bank doesn't need your loan paid off on day one. It needs the payments made. As long as the payments stay current, your family keeps the home and all the equity you've built.
Why permanent coverage
- It never expires. You're protected whether you pay the house off in 10 years or refinance in 5.
- Fixed premiums. Your price is locked in and never goes up.
- Living benefits. Many policies let you access part of the benefit if you're diagnosed with a qualifying terminal, chronic or critical illness.
- Cash value. Whole life builds guaranteed cash value you can borrow against.
Estimator
Estimate your payment coverage
Enter your monthly mortgage payment and how long you'd want it covered. The number filled in is an example.
Coverage to keep payments current
Get a quote for this plan
$1,850 × 12 months
Your family gets paid, not the bank
Mortgage insurance sold by a lender usually pays the lender directly, and the payout often shrinks as your balance goes down while your premium stays the same. Both options here pay your family, and they decide how to use it.
Mortgage protection vs. PMI
PMI (private mortgage insurance) protects the lender if you stop paying your loan. It does nothing for your family if you pass away or get sick. Mortgage protection is the coverage that protects your household.
Living benefit riders, their costs and availability vary by carrier and state. Whole life guarantees are based on the claims-paying ability of the issuing insurer.
Guide · Final Expense
Final expense insurance, explained
Final expense is a smaller whole life policy designed for one job: making sure the cost of a funeral and last bills never lands on your children or spouse.
What it can pay for
- Funeral, burial or cremation costs
- Medical bills left after passing
- Credit cards, a car note or other small debts
- Anything else your family needs. The money goes to your beneficiary, and they decide.
Why people choose it
- Easier to qualify. Many plans ask a few health questions instead of requiring a medical exam.
- Premiums never go up. Your rate is locked in for life.
- It never expires. Coverage lasts your whole life as long as premiums are paid.
- Fast payout. Claims are often paid quickly, when your family needs the money most.
Who it's for
It's most popular with people in their 50s, 60s, 70s and 80s who want to leave their family a gift instead of a bill. It also works well for anyone whose health makes a larger policy hard to get.
Some simplified-issue plans have a waiting period before the full benefit is paid. I'll always tell you up front if a plan has one.
Guide · Term vs. Whole Life
Term life vs. whole life
Both pay your family if you pass away. The difference is how long they last, what they cost, and whether they build cash value. Term is like renting protection for a set number of years. Whole life is like owning it.
| Term Life | Whole Life | |
|---|---|---|
| How long it lasts | A set term: 10, 15, 20, 25 or 30 years | Your entire life, as long as premiums are paid |
| Cost | Lowest cost for the most coverage | Higher premiums for the same death benefit |
| Premiums | Level during the term, then rise sharply or end | Fixed for life |
| Cash value | None | Guaranteed cash value that grows and can be borrowed against |
| Best for | Income replacement, the mortgage, raising kids | Final expenses, lifelong needs, leaving a legacy |
| If you outlive it | Coverage ends, unless you convert it | Always pays out, as long as it stays in force |
Guide · How Much Do I Need?
How much life insurance do I need?
Many people start with 10 to 12 times their yearly income. It's a decent starting point, but it ignores your mortgage, debts and kids. The DIME method is better. It adds up four things your family would need covered.
- DDebt
Car loans, credit cards, student loans (not the mortgage) - IIncome
Your yearly income × the years your family would need it - MMortgage
The balance left on your home loan - EEducation
What you'd set aside for your kids' schooling
DIME calculator
The numbers filled in are an example. Replace them with your own.
Estimated coverage need
Get quotes for this amount
This is an estimate for education only. Your actual need depends on your full situation, and we can fine-tune it together on a free call.
Common questions
Simple answers
Do I need a medical exam?
Not always. Many carriers now approve policies using your answers, prescription history and records instead of a blood test. Larger amounts or some health situations may still need an exam, which is free and can often be done at your home.
Can I get coverage if I have health problems?
Usually, yes. Conditions like diabetes, high blood pressure or past heart issues can affect your price or which plan fits best, but they rarely rule you out. Final expense plans in particular are built to be easier to qualify for.
How much does life insurance cost?
It depends on your age, health, tobacco use, coverage amount and type of policy. Term is the most affordable per dollar of coverage. I'll get you real quotes so you're not guessing.
Who should be my beneficiary?
Anyone you want to receive the money: a spouse, children, a family member or a trust. Avoid naming minor children directly. A trust or custodian lets the money be managed for them.
Is the payout taxed?
In most cases the death benefit is paid to beneficiaries free of federal income tax. Talk to a tax professional about your specific situation.
I already have life insurance through work. Isn't that enough?
Work coverage is a good start, but it's often only 1 to 2 times your salary and usually ends if you leave the job. Most families need a personal policy they keep no matter where they work.
How long does it take to get approved?
Some policies are approved the same day. Fully underwritten policies can take a few weeks. I'll tell you what to expect up front and keep you updated.
Can I change or cancel my policy?
Yes. You can cancel anytime, and most policies have a free-look period (often 10 to 30 days) when you get a full refund. Many term policies can also be converted to permanent coverage later without new health questions.
What if I live in another state?
I'm licensed in all 50 states, so we can work together wherever you live. Everything can be handled by phone and online.
What happens if I miss a payment?
There's a grace period, usually 30 or 31 days, when your coverage stays active. If you think you'll miss a payment, call me first. There are often options to keep the policy in force.
Who you're working with
Jaden Battle
I'm Jaden, and Battle Life Group is how I help families protect what matters most. I'm an insurance underwriter with Founders Financial Group. My job is to make insurance make sense. I walk you through your options, explain what each one actually does for your family, and help you choose the coverage that fits your life and your budget. No pressure, ever.
- Licensed in all 50 states
- NPN: 22115047
- Founders Financial Group
- Life · Mortgage · Final Expense
- Whole Life · Term
Free quote
Get your free quote
Tell me a little about yourself, then pick a time on my calendar. You'll get real numbers, not a sales pitch.
- Send your informationTakes about a minute.
- Pick a time on my calendarChoose a call time that works for you.
- We talk for 15 to 30 minutesI learn what matters to you and answer your questions.
- You get options to compareClear prices and plain explanations. You decide, with no pressure.
Almost done
Step 1 · Send this to Jaden
Tap the button to open your email with everything filled in. If it doesn't open, copy the details and text or email them to Jaden.
Step 2 · Pick a time
Book your call with Jaden
Choose a time on my calendar. You'll get a confirmation and a reminder by email.
Get in touch
I'm ready to help
Email
I reply within one business daySchedule
Pick a time that works for you on my calendarWebsite
Founders Financial GroupLicensed
All 50 states
We can work together wherever you live, by phone or online