Independent Broker · 35+ Carriers · 40+ Years Experience
Permanent Life Insurance —
Save Up to 50% by Working
with an Independent Broker
Curtis Drake shops 35+ top-rated carriers to find your lowest rate — and based on his 40+ years of experience placing policies, he consistently finds a better price than a single-carrier quote. The savings are biggest on policies from $500,000 to $95 million.
What Is Permanent Life Insurance?
Whole Life, GUL & IUL Explained
Unlike term insurance that expires after 10, 20, or 30 years, permanent life insurance covers you for your entire life. It also builds cash value over time. There are three main types — and the right one depends on your goals, budget, and the coverage amount you need.
Lifelong Coverage
Your policy is guaranteed to stay active for your entire life — no expiration date, no renewals.
Cash Value Growth
Build tax-deferred savings inside your policy you can borrow against during your lifetime.
Fixed or Flexible Premiums
Whole life offers locked premiums forever. GUL and IUL offer flexible structures for different budgets.
Estate & Wealth Transfer
Pass a guaranteed, income-tax-free death benefit to your heirs or business partners.
The Three Types of Permanent Life Insurance
Whole Life Insurance
Maximum guarantees. Fixed premiums forever.
The original permanent policy. Premiums never change, cash value grows at a guaranteed rate, and the death benefit is contractually guaranteed. Best for those who want certainty above all else.
✓ Best for: Estate planning, generational wealth transfer
Guaranteed Universal Life (GUL)
Lifetime coverage at the lowest permanent premium.
GUL provides a guaranteed death benefit to age 90, 95, 100, or 121 with premiums significantly lower than whole life. Minimal cash value growth — designed purely as a death benefit vehicle.
✓ Best for: High coverage amounts ($500K–$95M) at the lowest cost
Indexed Universal Life (IUL)
Growth potential tied to market indexes — with a floor.
IUL links cash value growth to a stock market index (like the S&P 500) with a 0% floor — you never lose principal to market downturns. Ideal for those wanting both protection and tax-advantaged growth.
✓ Best for: Supplemental retirement income, wealth accumulation
How Curtis Drake Saves Clients
Up to 50% on Permanent Life Insurance
In more than 90% of cases, Curtis finds a lower rate than what clients were quoted elsewhere. The savings are most dramatic on policies from $500,000 to $95 million — where carrier pricing can vary by 30–50% for the exact same coverage.
Why Is There Such a Big Price Difference?
Every carrier has its own underwriting algorithm. One company might penalize you heavily for a family history of heart disease. Another might not care at all. One carrier prices a 55-year-old male at $400/month for $1M of GUL. Another prices the identical applicant at $250/month.
A captive agent can only offer you their one company's price. Curtis submits your profile to all 35+ carriers simultaneously and returns your best match — in health class, product fit, and premium. The bigger the policy, the bigger the spread, and the bigger your savings.
(1 carrier)
(35+ carriers)
Permanent Life Insurance for $500,000 and Above —
Where the Real Savings Are
Illustrative rate comparisons based on representative carrier pricing for healthy non-smoking males as of 2025. Actual premiums depend on individual age, health classification, and carrier underwriting at time of application. "Captive agent" rates reflect a single-carrier quote scenario. All policies subject to underwriting approval.
$500,000
GUL to age 121 · Age 45 Male
Captive Agent
$312/mo
With Curtis
$198/mo
$1,000,000
Guaranteed Universal Life · Age 52 Male
Captive Agent
$687/mo
With Curtis
$441/mo
$2,500,000
GUL — Estate Planning · Age 58 Male
Captive Agent
$2,140/mo
With Curtis
$1,290/mo
$5,000,000
Permanent Life Insurance · Age 60 Male
Captive Agent
$5,820/mo
With Curtis
$3,210/mo
Ready to See Your Real Rate?
It costs nothing to compare. Curtis shops all 35+ carriers and brings you the best — no obligation, no pressure.
Compare Permanent Life Insurance Rates from 35+ Top-Rated Carriers
Free quote · No obligation · Takes 60 seconds
Who Permanent Life Insurance Is For
Permanent life insurance isn't one-size-fits-all. Here's where it delivers the most value — and where Curtis's independent access to 35+ carriers creates the biggest savings.
Estate Planning ($500K–$95M)
Permanent life insurance is the most efficient tool for transferring wealth to heirs income-tax-free. High-net-worth individuals use policies up to $95 million to offset estate tax liability and preserve generational wealth.
Biggest savings opportunity — carrier pricing varies 30–50% at these face amounts.
Business Owners & Key-Man Coverage
Protect your business against the loss of a key partner or executive. Policies from $1M to $50M+ ensure business continuity, fund buy-sell agreements, and protect against catastrophic revenue loss.
Curtis specializes in large face amounts that captive agents struggle to place competitively.
Executive Benefit Plans
Corporations use permanent life insurance as a tax-advantaged executive benefit — funding deferred compensation, supplemental retirement income, and golden handcuff arrangements.
IUL and whole life structures work well for COLI and BOLI strategies.
Converting an Expiring Term Policy
If your 20 or 30-year term is expiring and you still need coverage, converting to permanent life insurance locks in coverage without re-qualifying medically. Curtis identifies the best permanent option for your current age and health.
Don't let your term expire without exploring permanent options first.
Seniors Who Need Lifetime Coverage
If you're 60–80 and need coverage that won't expire, GUL is typically the most affordable permanent option. Many seniors are shocked to find rates 30–40% lower than what their current carrier quoted.
Coverage available up to age 85 with many carriers — even for complex health profiles.
Legacy & Charitable Giving
Permanent life insurance is a powerful vehicle for leaving a legacy to a charity, university, or foundation — often at pennies on the dollar compared to the death benefit delivered.
Curtis structures these policies to maximize the gift while minimizing annual premiums.
35+
Top-Rated Carriers
40+
Years of Experience
46
States Licensed
90%+
Cases Where We Find a Lower Rate
$500K–$95M
Biggest Savings Range
Partnering with Trusted Life Insurance Providers
We work with top-rated providers to bring you the best life insurance options.
* Testimonials represent real customer experiences. Individual results may vary based on age, health status, and coverage needs.
** Coverage and rates are subject to eligibility, underwriting requirements, and state availability. Not all applicants will qualify. Please consult with a licensed insurance agent to understand your specific situation and options. Sample rates shown are for illustrative purposes only; your actual premium will depend on age, gender, health classification, coverage amount, and carrier underwriting at time of application.
Curtis Drake | Licensed Independent Life Insurance Broker | NPN: 1141954 | TX License #738897 | Licensed in 41 states (not licensed in Connecticut, Illinois, Mississippi, Montana, New Hampshire, New Jersey, New York, Vermont, Washington, or Wisconsin).
Optional Policy Riders
Customize your whole life insurance policy with these optional riders to enhance your coverage and provide additional protection for you and your family.
Waiver of Premium
If you become disabled and unable to work, your premiums will be waived while the policy remains in force.
Accelerated Death Benefit
Access a portion of your death benefit early if diagnosed with a terminal illness.
Long-Term Care
Convert a portion of your death benefit to help pay for long-term care expenses.
Child Term Rider
Add term life insurance coverage for your children at a low cost.
How Curtis Works — What to Expect
40+ years of experience. Multi-state licensed. Independent — which means Curtis answers to you, not a carrier.
Free Consultation — No Obligation
Curtis starts with a straightforward conversation about your goals, budget, and coverage needs. No sales pressure. He's been doing this for 40+ years — he'll tell you honestly if permanent life insurance is or isn't the right fit.
Curtis Shops All 35+ Carriers for You
He submits your profile to every carrier in his network simultaneously. Because each carrier underwrites differently, this process consistently uncovers rates 20–50% lower than what clients were previously quoted — especially on policies from $500,000 to $95 million.
You Review Your Best Options — Side by Side
Curtis presents your top carrier matches with a clear breakdown: premium, product type, carrier rating, and health class. No jargon. No pressure. You make the decision with complete information.
Curtis Guides You Through Placement
Once you choose, Curtis handles the application process, coordinates with the carrier's underwriting team, and stays available as your licensed advisor for the life of the policy — not just the sale.
Curtis Drake — Licensed Independent Life Insurance Broker
NPN: 1141954 · TX License #738897 · Multi-state licensed · Horseshoe Bay, TX
Savings vary by applicant age, health classification, coverage amount, and carrier underwriting at time of application. Past results are not a guarantee of future savings. All quotes are subject to underwriting approval.
Permanent Life Insurance — Frequently Asked Questions
Answers from Curtis Drake, licensed independent broker with 40+ years of experience.
Compare Life Insurance Options
Not sure if this is the right fit? Explore similar coverage options.
Guaranteed Universal Life
Permanent coverage at the lowest possible premium — guaranteed for life.
Indexed Universal Life (IUL)
Market-linked cash value growth with a 0% floor. Flexible premiums.
Child Life Insurance
Lock in low rates for life and build guaranteed cash value from day one.