LastLine Financial & Life

Sleep better at night knowing your family's financial future is secure.

If you did not come from a wealthy family, a wealthy family
has to come from you.

LastLine Financial & Life specializes in financial planning and life insurance for individuals, families, and small businesses. Focusing on developing customized options that cater to your needs. We have no health exam policy options available for your life insurance needs and place customer service as a top priority. No automated recordings… real person, every time, helping YOU create a worry-free life together.

About Us

LastLine Financial & Life is a consulting firm that is both Veteran and Family-Owned and Operated, with deep roots in the community. Drawing from our expertise in healthcare, finance, and business, we aim to make a real difference in people’s lives by putting them and their families in a better financial position. Our ultimate goal is to provide true peace of mind to our clients. We are dedicated to educating everyone on the essential knowledge needed not just to create generational wealth, but to also secure it. We understand that anyone can amass a fortune, but few can maintain it. Therefore, we are committed to delivering exceptional client service and aligning the best possible products to help our clients reach and sustain their financial goals. Our common goal is to attain peace through financial freedom.


Deliver financial literacy resources to underprivileged communities across America and safeguard their familial legacies by offering life insurance solutions.


We represent our clients. Not a company. We shop around to find the best price and extend it to you. Period.


From an early age, we're taught that hard work pays off - and to some degree, that's true. But what happens when working hard just isn't enough? With wages remaining stagnant and inflation constantly rising, the middle class is slowly disappearing, leaving an ever-widening divide between the wealthy and the poor. While these may be facts, they don't have to be inevitable. Instead of chasing money, let's focus on creating options. By educating ourselves and our families about financial freedom, we can give ourselves the power to choose our own paths. That's why we're committed to providing education - because we believe it's the first step towards true financial independence.

Our Services


Do you want your family to be safe? Ensure their financial safety with our insurance services.


Create a worry free life for you and your family, and empower your loved ones for the unexpected.


Up to 2 Million Dollar Term policy, that does not require a medical examination.


Guarantee yourself a reliable financial plan with our company.


Affordable and comprehensive options with the largest providers in the nation.


It is possible to have life insurance coverage through your employer if it is offered and you enroll in it. However, it is likely that the coverage provided may not be sufficient. Additionally, once you leave your job, you may lose the coverage provided by your employer, and it may not cover incidents that occur outside of work. It is still advisable to take advantage of the life insurance offered by your job as it can serve as a valuable supplement to any existing coverage you may have.

Generally, a medical examination is a standard requirement in traditional life insurance underwriting. While some no-medical exam life insurance policies are available, they often offer lower coverage amounts and come with higher costs compared to policies that go through the full underwriting process.

It’s comparable to a basic physical. The insurer’s testing company will take your vitals (pulse, height, weight) and a blood sample. Sometimes they’ll ask for a urine sample, too, or administer an EKG.

In short, insurance companies do not prefer third-party practitioners who may have biases to conduct the medical examination. However, the good news is that the insurance company usually covers the cost of the exam, which could also be conducted at your home or office. Furthermore, a third-party diagnostic company is responsible for administering the test, not the insurance company directly.

Suddenly quitting smoking right before a paramedical exam will not yield any benefits since nicotine can remain detectable in your bloodstream for more than a week and in your urine for almost a month, both of which are tested during the exam. Additionally, having a smoking history could still impact your insurance premiums depending on when you last smoked and the frequency of your smoking. While quitting smoking is undoubtedly beneficial for your health, it is important to note that smokers are often classified differently and charged higher premiums, which can be twice the amount charged to non-smokers.

preference: Preferred Plus, Preferred, Standard Plus, Standard, Substandard, and Smoker. Your classification is determined by several factors related to your health and lifestyle. For instance, your BMI, alcohol consumption, history of serious illnesses, and frequency of high-risk activities like skydiving can all impact your classification.

An underwriter works for the insurance carrier and is basically tasked with figuring out how risky you are to ensure — or what classification you belong in. As we mentioned, they’ll look at your paramedical exam results, medical records and even your motor vehicle reports.

The death benefit is the amount that the life insurance policy pays out to your designated beneficiary, tax-free and in a single lump sum, in the event of your death. This amount is also known as the “face value” of the policy, or how much the policy is worth. It is important to note that the beneficiary is the individual you choose to receive the death benefit.

Although there has been some variation in recent years, the traditional approach to life insurance payouts remains the norm. However, individuals can now add accelerated death benefit riders to their policies, which allow them to access their death benefit before passing away in certain situations involving terminal illness. Some insurers also offer the option for beneficiaries to receive payments in installments or annuities, which means they receive payments incrementally throughout their lifetime, typically spanning five to forty years.

Term life insurance is a policy that provides coverage for a set period of time. If you pass away during the term, your designated beneficiary will receive the death benefit. In contrast, permanent life insurance offers lifelong coverage, meaning that your beneficiary will still receive the death benefit when you pass away. Additionally, permanent life insurance includes a cash value component that can be used for borrowing or partial cash withdrawals after a certain period of time.

Choosing the right beneficiary for your life insurance policy is an important decision that requires careful consideration. It’s important to assess your options and determine what will be best for you and your family. Fortunately, it’s possible to name multiple beneficiaries, so you don’t have to worry about choosing between your children. Additionally, you can update your beneficiaries as needed. For instance, if you initially name your spouse as the beneficiary but your relationship changes, you can choose to leave the death benefit to another individual, such as a beloved pet. Yes, seriously.



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“If you don’t come from a wealthy family, a wealthy family has to come from you.”

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