When it comes to protecting what matters most - your health, income, family, and future - insurance is a key piece of your overall plan. But how you shop for and structure that protection matters just as much as the coverage itself.

There are three main ways to get insurance:
🔹 Captive agents who represent one company (i.e. State Farm, AllState)
🔹 Independent agents who shop across multiple carriers, and
🔹 DIY approaches where you compare and buy coverage on your own.

Each has advantages and trade-offs, and the best choice depends on your needs, comfort level, and desire for guidance.

Beyond simply “buying coverage,” there are also innovative strategies - like the Infinite Banking Concept - that use life insurance as a tool to grow and access wealth, giving you more freedom and control over your financial future.