Life Insurance

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Through our affiliation with, we have been providing low cost term insurance rates with instant online term insurance comparisons since 1998 and have saved our clients millions of dollars while providing the best possible coverage with the top insurance carriers in the country.​ 

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For those with health concerns, we offer limited underwriting with no medical exams. To receive an individualized quote, please complete our short inquiry below.

For those who have been declined, we can help. We offer up to $150,000  of near guaranteed acceptance or true guaranteed issue. If you would like to see if these policies fit your needs, please complete our short inquiry.


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Dennis Stephens, CLU

PO Box 11159
Burke, VA 22015

Dennis Stephens, CLU has been ​working with federal employees for 45 years and has been a Chartered Life Underwriter, CLU since 1987. He is licensed in all fifty states with all major insurance carriers. He has operated, and online for 20 years. The launch of is designed to specifically address the the unique needs and concerns of the senior federal community.