Final expense
Whole life built to cover the funeral, the burial and what's left behind. Premiums never go up and the policy never expires.
- Coverage
- $2,000 – $50,000
- Ages
- 40 – 89
- Exam
- None
The right carrier is the one that actually approves you.
Onyx Financial is an independent life insurance brokerage. We're not tied to one company — we run your health history against twelve carriers before we recommend anything, so you get the plan that pays from day one instead of the one that turns you down.
No medical exam on most plans · Coverage from $2,000 to $500,000 · Answers in one sitting
What we place
Four ways to leave your family covered
Most of what we write takes minutes, not weeks — a phone call or a kitchen table, a few health questions, and a decision on the spot. No paramedic, no blood draw on the majority of plans.
Term life
The most coverage for the least money, for the years your family would feel the loss hardest — the mortgage, the kids at home, the income.
- Coverage
- $25,000 – $500,000
- Terms
- 10 / 15 / 20 / 25 / 30 yr
- Ages
- 18 – 75
Mortgage protection
Coverage sized to the balance on the house, so the family that's in it stays in it. Pairs with living benefits for a critical or chronic illness.
- Coverage
- To $400,000
- Riders
- Critical & chronic illness
- Options
- Return of premium
Guaranteed issue
No health questions and nobody is turned down. For clients whose health has closed the other doors — full benefit after the waiting period.
- Coverage
- $2,000 – $25,000
- Ages
- 50 – 80
- Questions
- None
We built our own underwriting desk so you don't get declined twice
Most agents send your application to whichever carrier they know best and hope it lands. We run your age, your build and every condition on your medication list against all twelve carriers' underwriting guides at once — before a single form is signed.
It means we know whether you qualify for day-one coverage, a graded plan, or guaranteed issue while we're still sitting with you. It also means we don't waste your time on a carrier that was never going to say yes.
- Every build chart, to the pound. Height and weight limits differ at every carrier — we know which ones don't use a chart at all.
- 60 conditions mapped. Diabetes, COPD, a stent, cancer in remission — we know who writes it day one and who makes you wait.
- Timing matters. A heart attack fourteen months ago and one three years ago are different cases. The desk knows the difference.
- One application. We place it where it will be approved the first time, at the best rate you qualify for.
The shelf
Independent means we work for you, not for one company
We're appointed with these carriers and shop all of them on every case. Ratings shown are A.M. Best financial strength ratings — the measure of a company's ability to pay its claims.
Carrier names and marks are the property of their respective owners. Product availability varies by state.
For agents
Come write business with a desk behind you
If you're licensed and tired of guessing which carrier takes a diabetic on insulin, we should talk. Our agents carry the same underwriting intelligence into every appointment — the tool that tells you who approves the case before you write it.
Twelve carrier contracts
Direct appointments across the final expense and term shelf. You own your book.
Daily commissions
Paid as business issues, not on a monthly cycle.
The ONYX desk
Field underwriting for all twelve carriers, in your pocket, at the kitchen table.
Real training
How to field underwrite, how to place an impaired case, how to keep it on the books.
Get started
Tell us a little and we'll come back with real numbers
No obligation and no pressure. If a plan doesn't make sense for you we'll say so.
- Call or text
- 209-495-6680
- onyxfinancial001@gmail.com
- Licensed in
- All 50 states
- National Producer Number
- 22263384