Advice should fit the family, not the quota
Impact Financial Group was built by agents who got tired of watching families get sold whatever one carrier happened to offer. As an independent agency, we answer to you, compare the whole market, and stick around long after the policy is issued.
Who is Impact Financial Group?
An independent life insurance and annuity agency licensed to place business with more than forty A-rated carriers. Independent means no carrier owns the shelf: the agency is paid by whichever carrier issues the policy, so the recommendation is not decided before the first call.
A-rated carriers represented
Product lines we place
Independent, never captive
Cost for our guidance, ever
Three promises we can be held to
The math in writing
Every recommendation comes with the needs calculation behind it. If we cannot show you why a number is right, we do not recommend it.
The guaranteed column first
Illustrations can be marketing. We start every permanent-product conversation from the guaranteed values, then talk upside honestly.
Same agent, for years
Beneficiary updates, coverage reviews, claims support. The person who sold you the policy is the person who answers when you call.
Licensed humans, not a call center
One licensed agent owns your case from the first call to the day a claim is paid. Here is how that actually works.
You get a name, not a queue
The agent who runs your quote is the agent who submits your application and the agent who picks up when you call two years later. No handoffs to a service desk.
Underwriting is a specialty here
Health history, past declines, tobacco, aviation, foreign travel. Placement is the part that decides your rate, so it is the part we spend the most time on.
Service is staffed, not automated
Beneficiary changes, address updates, premium questions and claim filing all run through a person during posted hours, on the same phone number at the top of this page.
Educational first, always
Everything we publish, from our guides to our calculators, is built to be useful whether or not you ever buy from us. Figures are labeled illustrative, guarantees are attributed to the carriers that back them, and if a product is wrong for you, our job is to say so plainly.
Licensed details, state availability and our full disclosures live on the licensing page.
Put us to the test
Bring your current policy or your toughest question. Fifteen minutes, zero pressure, and you will leave knowing more than you came with.