For the self-employed & 1099
No employer is promising to take care of your family. So make that promise yourself.
You built this business without a safety net under you. Term life insurance is how you build one — for the people who depend on your income, not your job title.
Takes about 10 minutes. No obligation, no spam calls from a call center.
A quick snapshot
What term coverage is built to do
Protects: Your income, for your family
Term length: 10–30 years, your choice
Who it’s for: Freelancers, contractors, gig workers
Underwritten by: A panel of top-rated carriers
The part nobody explains at a 9-to-5
When you’re self-employed, this is all on you.
An employer group plan disappears the day you leave the payroll. Once you’re 1099, every one of these is a decision you have to make on purpose.
The process
Three steps, in this order.
This is the actual sequence — nothing is skipped and nothing happens out of order.
01
Answer a few questions
Health, income, and what you’re protecting — a short conversation, not a stack of paperwork.
02
I shop it across carriers
I’m independent, so I compare real quotes across multiple top-rated carriers instead of selling you one company’s product.
03
You get covered
Sign, get approved through underwriting, and your family has a plan that isn’t tied to a job title.
Term vs. whole life
Why most self-employed clients land on term.
Whole life isn’t wrong for everyone — it’s just usually not the right first move when you’re covering a specific stretch of working years.
Usually the right fit
Term life
Coverage for a fixed period — 10, 20, or 30 years — matched to your working years or your longest debt.
✓ Lower cost per dollar of coverage
✓ Simple to understand and compare
✓ Built to match a specific need or timeline
Worth a conversation
Whole life
Permanent coverage that lasts your entire life and builds cash value — at a meaningfully higher premium.
✓ Coverage never expires
✓ Builds cash value over time
✓ Makes sense for estate or long-term planning
Who you’ll actually talk to
Jordan Michaels
Independent Life Insurance Agent · NPN 00000000
I spent a decade freelancing before I got licensed. I know what it’s like to have no HR department to call when you’re thinking about coverage. I work with a panel of top-rated carriers, so I shop your case around instead of pushing one company’s product.
Independent
Not captive to one carrier
1099 myself
I know the gap firsthand
Licensed
See footer for state details
Your business doesn’t have a safety net. Your family shouldn’t either.
Ten minutes now is what makes sure the people who depend on you are covered no matter what.