Term and whole life from 25+ insurance companies. Every insurer looks at health, age and history a little differently, so the right fit depends on your whole picture. A licensed insurance agent compares them for you and shows you exactly what you qualify for.
No spam calls, no pressure. Your information is never sold.
Tanner works for you, not for one insurance company.
Whether you want the most protection for the least money or coverage that lasts a lifetime and builds value, there's a policy that fits. We'll help you pick, in plain English.
The most coverage per dollar
Protection for a set number of years, typically 10 to 30, while the people who count on you need it most.
Lifetime protection, guaranteed
Coverage that lasts your whole life, with premiums that never go up and cash value that grows on a guaranteed basis.
Guarantees depend on the issuing insurer's claims-paying ability.
Lifetime coverage with growth potential
Permanent coverage with flexible premiums and cash value whose growth is linked to a market index, with a floor that protects against index losses.
Not an investment in the market. Caps, participation rates, and policy charges apply.
One insurer might be stricter about something in your history than the next, or put the same person in a different rate class for the exact same coverage, and that difference can add up over the life of the policy.
As an independent agent, Tanner Hertzog isn't tied to one company. He looks at your whole picture and matches you with the insurer most likely to see it in the best light.
No call centers and no being passed around. You deal with one licensed agent from start to finish.
A short form: who you want to protect and a few basics. Two minutes, tops.
Tanner Hertzog's assistant texts you to set up a call when it suits you. No cold calls out of nowhere.
On the call, Tanner Hertzog learns what you need and compares insurers to find your best fit and rate class.
He walks you through the application. Many applicants are approved without a medical exam.
I'm an independent, licensed life insurance agent based in Phoenix, Arizona, and I've helped over 500 families get covered. I don't work for an insurance company. I work for you, comparing carriers to find coverage that fits your family and your budget.
My approach is simple: honest answers, no pressure, and texting instead of endless phone tag. If a policy isn't right for you, I'll tell you.
It depends on your age, health, the type of policy, and the amount of coverage. Term life is usually the least expensive way to get a large amount of coverage. Tanner Hertzog gives you real numbers from real carriers on a call, based on your situation.
A common starting point is enough to replace several years of income, pay off debts, and cover future costs like your kids' education. We'll work through it together so you're not over- or under-insured.
Term gives the most protection for the lowest cost for a set period. Whole life is permanent with guaranteed growth. IUL is permanent with flexible premiums and index-linked growth potential. Many families combine them. We'll explain the trade-offs and let you decide.
Not always. Many carriers offer accelerated underwriting, and many applicants qualify without an exam. Some coverage amounts or health histories do require one; we'll tell you up front.
No. We never sell your information. You'll hear from Tanner Hertzog's office only, by text first, and you can tell us to stop at any time. See our privacy policy.
No. This is private life insurance from licensed insurance companies, offered by an independent licensed insurance agent.
A phone call with a licensed insurance agent, when it suits you. No pressure, no obligation.
Pillar Life Plans