Life Insurance Your Family Can Count On

Two Simple Options. That’s It.

I don’t sell a wall of confusing products. I sell two term life plans — both underwritten by Golden Rule Insurance Company (UnitedHealthcare):

• Term Life SafeGuard 10 — coverage locked in for 10 years. A straightforward way to protect your family through the years it matters most.
• Term Life SafeGuard 20 — coverage locked in for 20 years. Longer protection at a rate that doesn’t move for two decades.

You pick a benefit level that fits your family’s needs — enough to cover the mortgage, replace income, and leave your people standing on solid ground. I’ll walk you through the math in plain English.

Ask About Critical Illness Coverage

Here’s what most people don’t know: on many of these plans, you can add critical illness coverage — a cash benefit paid directly to you if you’re diagnosed with a covered critical illness like a heart attack, cancer, or stroke. It’s money in your pocket when life blindsides you, separate from the life insurance itself. Ask me about it on your review call — it’s one of the smartest add-ons in insurance.

When’s the Last Time Someone Reviewed Your Life Insurance?

Most people buy a policy once and never look at it again — while their mortgage grows, their kids grow, and their coverage quietly stops being enough. I do free 10-minute life insurance reviews for my clients. In ten minutes I’ll tell you:

• Whether your current coverage actually protects your family — or just feels like it does
• What gaps a mortgage, new baby, or new job opened up since you bought it
• Whether your beneficiaries are set up right
• What your options look like if you need more — or better — coverage

No pressure, no 40-page pitch. Ten minutes, straight answers.

Where I’m Licensed

I’m Christopher Horne, a licensed broker, in 16 states: Florida, Texas, Arizona, Ohio, Michigan, Iowa, North Carolina, Oklahoma, Missouri, South Carolina, Tennessee, Kansas, Louisiana, Maryland, Mississippi, and Virginia.

This page is general educational information about life insurance, not an offer of coverage. All coverage is subject to eligibility, underwriting, and the terms of the policy. Premiums vary based on age, health, benefit amount, term length, and other factors — your actual cost is determined when you apply. I’ll give you real numbers for your situation on a review call.