01
60-second rate intake
You answer a few simple questions so Jake can segment your options and text a personalized rate fast.
Independent • No-pressure • 26 A-rated carriers
Protect Your Family's Future
I help families, pre-retirees, and veterans compare life insurance options from 26 A-rated carriers — then build a clear plan around protection, budget, and long-term peace of mind.
Licensed Agent
26 A-Rated Carriers
Fast, No-Obligation Rate Check
William “Jake” Donnelly
Independent Licensed Agent
You’ve probably been told
Life insurance is either cheap, confusing, or complicated.
It doesn’t have to be. The real problem is most people are asked to choose before anyone explains what they’re actually buying.
1
You’ve been quoted by one company and have no idea if it’s a good deal.
2
You’re paying for a policy you don’t fully understand.
3
You keep putting it off because the process feels overwhelming or salesy.
That’s exactly why I do this differently
A private-client insurance review, without the private-client pressure.
02
Independent carrier comparison
I shop 26 A-rated carriers and show you the practical tradeoffs: price, underwriting, guarantees, flexibility, and fit.
03
You choose — or walk away
You get plain-English recommendations and side-by-side options. If nothing makes sense, I’ll tell you that too.
Coverage strategy
The right policy depends on the job it needs to do.
We’ll clarify whether you need temporary protection, permanent guarantees, legacy planning, tax-advantaged cash value, or retirement income support.
Term Life Insurance
High-value protection for income replacement, mortgages, young families, and debt coverage.
Get your rateWhole Life Insurance
Permanent coverage for families who value guarantees, predictability, and long-range planning.
Get your rateIndexed Universal Life (IUL)
Flexible permanent coverage with tax-advantaged cash value potential when it fits the objective.
Get your rateFinal Expense
Simple coverage designed to help loved ones handle funeral and end-of-life costs with less stress.
Get your rateMortgage Protection
Coverage designed around keeping your family in the home if the unexpected happens.
Get your rateAnnuities & Retirement Income
Options for protecting principal, reducing volatility, and creating more predictable income later in life.
Get your rateWhy Jake
I’d rather educate you than sell you.
I got into life insurance because too many families are making huge financial decisions with half the information. Some are underinsured, some are overpaying, and some were sold something they never fully understood. My role is to slow the process down, explain the options in plain English, and help you make a confident decision — even if that decision is to do nothing right now.
Licensed in NY, TX, OH & MI
Independent Broker — Not Captive
A-Rated Carriers Shopped
60-Second Rate Check, Zero Obligation
New York
Resident license · License LA-1936698
Texas
Non-resident license · License 3417530
Ohio
Non-resident license · License 1702722
Michigan
Non-resident license · License 21721520
Free resources
Walk into the conversation already knowing what matters.
These public-ready planning tools help you calculate needs, understand policy types, review existing coverage, and organize the details your family may someday need.
Life Insurance Coverage Calculator
Needs-based estimate using the DIME method plus caregiving, veteran survivor income, and current coverage offsets.
Most requested
Policy Review Checklist
Know exactly what to look for in an existing policy: premium, death benefit, riders, conversion options, and cash value.
Policy page decoder
- Owner, insured, and beneficiary names
- Death benefit and policy type
- Premium amount, mode, and due date
Riders to verify
- Conversion privilege on term policies
- Waiver of premium
- Accelerated benefit or chronic illness rider
Red flags to ask about
- Premiums that can increase
- Coverage ending before retirement
- Loans, withdrawals, or reduced cash value
Plain English
Life Insurance Breakdown Guide
A public-friendly guide that explains term, whole life, universal life, IUL, final expense, and mortgage protection without jargon.
Term life
- Usually the most coverage per dollar
- Best for income, mortgage, and young-family protection
- Check conversion options before buying
Permanent coverage
- Can last for life when funded correctly
- May fit legacy, final expense, or long-range planning
- Needs careful review of guarantees and flexibility
Final expense / mortgage protection
- Smaller policies can solve specific family needs
- Useful when budget or health limits options
- Should still be compared against broader coverage
Family planning
Family Beneficiary & Legacy Organizer
A clean organizer for beneficiaries, important contacts, final wishes, account notes, and policy details your family should not have to hunt for.
People to list
- Primary and contingent beneficiaries
- Executor, attorney, CPA, and trusted contact
- Veteran benefits contact or service records location
Documents to track
- Life insurance policies and policy numbers
- Will, trust, powers of attorney, and IDs
- Bank, retirement, mortgage, and debt accounts
Family conversation prompts
- Where documents are stored
- Who to call first
- Which bills, dependents, pets, or home needs must be handled
Why families trust the process
Premium guidance without the old-school insurance pressure.
Planning standard
Education before recommendations
You should understand the difference between temporary protection, permanent coverage, riders, cash value, and underwriting before choosing anything.
Clear options instead of sales pressure
Planning standard
Independent carrier shopping
One company rarely has the best answer for every family. Jake compares 26 A-rated carriers so price, underwriting, and policy fit can be weighed side by side.
More choice, better context, smarter decisions
Planning standard
Practical family-first planning
The goal is not the biggest policy. The goal is the right amount of protection for your income, debt, dependents, budget, and long-term priorities.
Coverage built around real life
Offer stack + risk reversal
What you get when you book your free consultation.
You’ll leave with a sharper understanding of your current coverage, what your family may need, and which options are worth considering — without being pushed into a decision.
- Full review of any existing policies in plain English
- Custom quote from 26 A-rated carriers
- Free public resources built for real family planning
- Side-by-side comparison so you can decide
- Licensed guidance in New York, Texas, Ohio, and Michigan
If I’m not the right fit for your family, I’ll tell you — and point you in the right direction.
FAQ
Clear answers before you schedule.
The goal is to remove uncertainty before you ever talk to Jake.
How much does a consultation cost?+
Free, always. The first consultation is a no-obligation review so you can understand your options before making any decision.
Will I be pressured to buy something?+
No, period. The point is education first. If keeping what you have or waiting is the right move, I’ll say that plainly.
I already have a policy through work — do I still need this?+
Maybe. Employer coverage can be useful, but it may not be portable, permanent, or enough. We can review it alongside your family’s actual needs.
How much life insurance do I actually need?+
It depends on income, debts, mortgage, children, savings, final expenses, and the lifestyle you want protected. We’ll calculate a practical range together.
I have health issues — can I still get covered?+
Often, yes. Different carriers evaluate health differently, which is one reason independent shopping matters. We’ll look for the best available fit.
How long does the whole process take?+
The first call takes about 15 minutes. After that, simple term cases can move quickly; more complex permanent coverage may take longer depending on underwriting.
Your family is counting on you. Let’s make sure they’re protected.
In one short, no-pressure conversation, you’ll know what you have, what you may need, and which options are worth considering.
I only take a limited number of consultations each week to make sure every family gets my full attention.