When You Call,
Larry Answers.
Not a Call Center.

What “independent broker” actually means — and why it matters for your premiums

When you call Colonial Penn, you get a Colonial Penn agent. When you call Lincoln Heritage, you get a Lincoln Heritage agent. Their job is to sell you their product — not to find you the best one available. They cannot compare. They have no access to alternatives. They have no incentive to tell you if a different carrier would give you a lower rate or better benefit tier for your health profile.

As an independent broker, I am contracted with 10+ A-rated carriers. My job is the comparison. When you call me, I run your age, state, health profile, and coverage goal across every carrier I represent — live, on the call — and tell you honestly which one wins for your specific situation. That includes telling you when none of them beats what you already have.

For final expense insurance specifically, this independence has a real dollar value. The difference between placing a diabetic senior at the wrong carrier versus the right one is typically $30–$60 per month — for the rest of their life. Mutual of Omaha, the most heavily TV-advertised final expense carrier, automatically grades every diabetic applicant to graded benefit regardless of control. American Amicable offers level benefit to the same profile. A captive agent contracted with only one of those carriers cannot give you that comparison. I can, and I do, on every call.

Why I specialize exclusively in final expense

Final expense insurance is one of the most misunderstood and most frequently mishandled products in the insurance industry. The people who need it most — seniors in their 60s, 70s, and 80s, often with health conditions like diabetes, COPD, or heart disease, on fixed incomes, wanting to protect their families from burial costs — are also the most aggressively targeted by misleading television advertising and by captive agents who can only offer one overpriced product.

I specialize in final expense because this is where the independent broker advantage is largest. The underwriting nuances matter enormously here in ways they don’t for term life: whether your CHF is compensated or uncompensated, whether your COPD requires supplemental oxygen, whether your diabetes is insulin-dependent or oral medication, whether your cancer was in remission for 2 years or 5. Getting these details matched to the right carrier is the difference between day-one level benefit and a 2-year waiting period. That knowledge — accumulated carrier by carrier, condition by condition — is what I bring to every call.

I don’t do auto insurance, homeowners, or general financial planning. I do final expense. It’s what I know, it’s what I’m good at, and it’s where I can genuinely help.

Based in Davie, FL — serving South Florida and all 49 states

My home base is Davie, Florida. South Florida is my primary market — Broward County, Miami-Dade, and Palm Beach. I know what funerals actually cost here. I know that direct cremation in Broward County runs approximately $4,000. I know that a traditional service in Fort Lauderdale runs $9,000–$12,000. I know that the Haitian community in North Broward, the Colombian and Venezuelan families in Davie, and the Jewish community in Hollywood Hills each have different traditions and different coverage needs. This local knowledge matters for the coverage recommendation I give South Florida clients.

At the same time, the insurance products I place are national. I am licensed in 49 states — not just Florida — which means I serve clients from coast to coast. I have helped seniors in Mississippi navigate the state’s #1 national diabetes rate, clients in West Virginia’s coalfields get level benefit for COPD despite what every TV advertiser told them, and New Orleans families understand why a jazz funeral costs $15,000–$18,000 and how much coverage they actually need. Wherever you are, the same personal service applies. I pick up the phone myself.

How a call with me works

1. 1
   You call — Larry picks up

   Not a receptionist, not an intake form, not a queue. When you dial (754) 800-1152, the call reaches me directly. Most clients are surprised by this. It shouldn’t be surprising — it’s just what a one-broker operation means.

2. 2
   We establish what you actually need

   I ask about your state, county, age, health conditions, and what kind of service your family plans. A rural Arkansas senior planning a graveside service has very different coverage needs than a New Orleans senior planning a jazz funeral with a brass band. I match the recommendation to your actual situation, not a national average.

3. 3
   I run the comparison across all 10+ carriers live on the call

   You hear the options, the rates, and the reasoning. If you have diabetes, I tell you which carrier gives you level benefit and which grades you automatically — and why that difference costs $30–$60/month for life. No black box, no mystery. You make an informed decision.

4. 4
   If you want to proceed, we apply immediately

   Application completed over the phone or via secure digital form. Most clients receive same-day approval. I handle any follow-up with the carrier directly — you don’t navigate carrier hold times on your own.

5. 5
   Your policy arrives — you have the free look period to review it

   Every state requires a free look period on life insurance policies. Review your policy at your own pace. If anything doesn’t match what we discussed, cancel for a full refund. After that, your coverage is locked in for life at the rate we found.

What makes this different from a national platform

National insurance platforms like SelectQuote, PinnacleQuote, and Coverage.com operate as large-team environments where your inquiry is routed to whichever licensed agent is available. The agents are real and the products are legitimate — but the model is built for volume, not depth. The agent who takes your call has handled dozens of calls that day across term life, Medicare, auto, and final expense. The nuance of whether your specific COPD profile qualifies for Transamerica level benefit versus graded benefit is less likely to be caught at scale.

Anchor Life is the opposite model. One broker, one specialty, personal accountability on every placement. Every client I have placed, I know. Every policy I have issued, I issued. If you call back with a question three years from now, I will know your policy and your story — not because a CRM reminded me, but because I placed it.

Carriers I work with

I am contracted with 10+ A-rated final expense, term life, and IUL carriers. For each client, I compare all relevant carriers and recommend the one that best fits their specific health and coverage profile:

Why this work matters personally

I have two young sons. Like every parent, what drives me is making sure my family is protected if something unexpected happens.

My Christian faith shapes how I approach every client interaction. The standard I hold myself to is simple: treat every person I speak with the way I would want someone to treat my own family. That means honest information, no pressure, and a genuine recommendation — even when the honest answer is “keep what you have.” It’s not complicated. It’s just the right way to do business.

I also know from personal experience what final expense costs actually look like in Broward County. When my family went through the process of arranging a service locally, the real costs were nothing like what the national TV ads implied. Direct cremation here runs around $4,000. A full service runs considerably more. The gap between what people expect to pay and what it actually costs is where families get caught short — and it’s why I make sure every client I work with has coverage sized to their actual local costs, not a national estimate.

State guides — coverage resources by state

I publish detailed state guides covering county-by-county funeral costs, the best carriers for each state’s specific health demographics, and 2026 rate comparisons. If you want to understand the final expense landscape in your state before calling, these are the most detailed state-specific guides available from an independent broker:

Frequently asked questions about Anchor Life Insurance