Insurance that actually fits your life — explained in one honest 15-minute call.
We compare 30+ A-rated carriers across life, health, auto, home, and business coverage so you get the right protection at the right price, without the sales pressure or confusing jargon.
No obligation · No medical exam options available on select policies
Independent · 12+ yrs experience
Summit Shield
Active
Most people put off insurance because the whole process feels rigged.
You've probably tried. You Googled “term vs whole life,” compared three quote sites, gave your number to one — and got calls for six weeks from agents pushing whatever pays them best.
So the tab stays open. Months pass. The people you love stay one bad day away from a financial mess you already know how to prevent.
You're not lazy. You're just tired of being sold to.
You feel guilty every time you think about it
Because you know it matters, and you know you've been putting it off.
You don't trust what agents are telling you
Every quote sounds different. Every rep pushes a different product. Who's actually on your side?
You're worried you'll pay too much or buy the wrong thing
You don't want to be the person who bought a policy that doesn't pay when it counts.
You keep hoping there's a simpler way
There is. It just isn't the loudest voice in your inbox.
Walk away knowing your family is covered — without spending a weekend on it.
In one short call, you'll get a clear picture of what your family actually needs, exact monthly pricing from top-rated carriers, and a policy you understand line by line. No follow-up sales calls. No pressure. Just a plan you can live with — and one that keeps working long after we hang up.
One advisor. Every kind of coverage your family needs.
Instead of juggling five different agents, work with one independent advisor who shops the whole market for you. Jump to the coverage you came for:
Life insurance that actually fits your family — explained in one honest call.
Term, whole, and universal life policies compared side-by-side across 30+ A-rated carriers, so your family is protected without you overpaying for coverage you don't need.
Quality coverage without the guesswork.
We help individuals, families, and the self-employed navigate ACA marketplace plans, short-term coverage, and supplemental options — so you understand exactly what you're paying for.
Better coverage, better rates — without switching carriers every renewal.
We shop liability, collision, and comprehensive coverage across dozens of carriers to find you a rate that reflects your actual driving record, not just a generic algorithm.
Protect the biggest investment you'll ever make.
Dwelling, liability, and personal property coverage matched to your home's actual rebuild cost — plus guidance on flood, earthquake, and other add-ons your standard policy won't cover.
Cover what you built, from general liability to key person coverage.
Small business owners get a single advisor to navigate general liability, commercial property, workers' comp, and key person life insurance — instead of piecing it together carrier by carrier.
Twelve years, thousands of policies, one honest approach.
Our advisors started as captive agents for large carriers and left because recommending the same product to every family never sat right. Today we work independently, which means we get paid the same regardless of the carrier you choose — so the recommendation is always about you.
An independent advisor, not another quote form.
Online quote tools compare price. We compare fit — and we're not paid more to steer you toward any one carrier.
| What matters | Working with Summit Shield | Typical captive agent |
|---|---|---|
| Works for | You and your family | The carrier that pays them most |
| Carriers offered | 30+ A-rated, compared for you | Whatever their company sells |
| Call length | 15–20 minutes, one time | Weeks of follow-ups |
| Recommendation style | Plain English, side-by-side | Jargon and pressure |
| After you buy | Annual review, always reachable | You never hear from them again |
Three simple steps. No paperwork before we talk.
Book your free 15-minute call
Pick a time that works. No forms to fill out first, no prep required.
We talk about your actual life
Family, income, goals, what you're trying to protect. A real conversation, not a sales script.
We shop 30+ carriers and send your top options
Side-by-side, in plain English, with exact pricing. You pick, or you walk. No pressure.
The consultation is free. Coverage costs less than you think.
A healthy 35-year-old can lock in $500,000 of term life coverage for around $28–$45 a month — less than most people spend on streaming subscriptions. The average family we work with pays under $50/month for the coverage they actually need.
Our advice is free. We're paid by the carrier only if you decide to move forward — and we earn the same commission regardless of which one you pick.
$500K in 20-year term coverage · healthy non-smoker, age 35
Compared to the average U.S. funeral cost of $9,420 and average outstanding mortgage of $236,000, coverage is the least expensive protection your family will ever own.
Real people. Real families. Real reviews.
“Our advisor didn't try to upsell us once. She actually talked us out of a policy that was too big for what we needed. That's when I knew she was the real deal.”
“I'd been putting this off for four years. It felt like a conversation with a friend who happens to know insurance inside out. Signed up the same week.”
“My previous agent kept ghosting me. Summit Shield still checks in every year to see if anything's changed. That's what I was paying for and never got before.”
If the call isn't useful, you owe us nothing — and we mean that.
Every policy we recommend comes with a 30-day free look — cancel for any reason and get every dollar back. And if our first call doesn't give you real clarity on what coverage you need and what it should cost, we hang up and you've lost 15 minutes. That's the whole risk.
The 15-Minute Guarantee
You'll leave the call with a clear answer on coverage, price, and next steps — or we'll refer you to someone who can help. No hard sell. Ever.
Life insurance gets more expensive every birthday. And every check-up.
Rates are based on your age and health today. Waiting a year can add 8–12% to your monthly premium for the exact same coverage. A single new diagnosis — high blood pressure, a borderline blood test — can double it or take some carriers off the table entirely. The best time to lock in a rate is the version of you that exists right now.
Grab a Time This WeekWhat waiting costs · $500K, 20-yr term
Illustrative monthly premiums for a healthy non-smoker. Your quote depends on health class and carrier.Answers before you ask.
Give your family 15 minutes today. They'll thank you for the rest of their lives.
Book your free consultation below. Real answers. No pressure. No pitch.
Let's find the right coverage — no pressure, no pitch.
Contact information
Reach us directly, or use the form to get started.
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Coverage areaLicensed in 40+ states, nationwide
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Response timeSame business day, guaranteed
Office hours
- Monday – Friday
- 8:00 AM – 6:00 PM
- Saturday
- 9:00 AM – 1:00 PM
- Sunday
- Closed