Hard Work Should Pay Off — Especially When Life Doesn't Go as Planned.
Tax-free retirement income, final expense protection, and guaranteed annuities — designed for the roofers, drivers, nurses, veterans, and small-business owners who built this country with their hands.
You Worked Too Hard to Retire With Nothing
The system was never built for people who earn with their hands. No pension. No match. Just decades of showing up. So instead of hoping it works out — we build a plan that's yours.
Four Ways to Protect What You've Built
Every family is different. I'll help you figure out which of these actually fits your life — and never sell you something you don't need.
Tax-Free Retirement Income
Grow your money with market-linked upside and a 0% floor — then turn it into retirement income you never pay taxes on again.
Learn moreFinal Expense Coverage
Cover funeral, burial, and end-of-life costs — often $10,000–$25,000 — so your family can grieve without a GoFundMe.
Learn moreGuaranteed Lifetime Income
Turn your savings into a paycheck that arrives every month for as long as you live — no matter how long that is.
Learn moreFamily & Income Protection
Term and permanent life coverage that replaces your income and keeps your family in their home if the worst happens.
Learn moreThe Tax-Free Equity Engine
One strategy the wealthy have quietly used for generations — now built around your income instead of Wall Street's.
Never Lose Money
Market-crash protection with a 0% floor. In a down year, your account simply doesn't go backward — your gains lock in.
Tax-Free Growth
Your money compounds without a yearly tax bill — and can be accessed tax-free in retirement when structured properly.
Living Access
Use your money while you're alive and well. No 59½ penalty for accessing your own cash value when you need it.
Living Benefits
Access your own benefit early if you're diagnosed with cancer, or suffer a heart attack, stroke, or other critical illness.
Flexible Contributions
Big month? Put in more. Slow season? Skip it. Built for income that doesn't arrive in neat, equal chunks.
30+ A-Rated Carriers
I shop Mutual of Omaha, Americo, and 30+ top carriers to find your best rate. I work for you — not one company.
Simple, Honest, and Built Around You
Tell me about your life
A quick, no-pressure conversation about your income, your family, and what you're trying to protect. Ten minutes, on your schedule — phone, text, or video.
I build your custom plan
I compare 30+ A-rated carriers and design a plan around your real budget and goals — then walk you through every number in plain English.
You decide — zero pressure
No jargon. No hard sell. You see exactly how it works, ask me anything, and decide if it's right for you. If it's not, I'll say so.
Built for People Like You
Protect what you've earned and turn it into income that lasts exactly as long as you do.
Business owners, contractors, and freelancers building tax-free wealth without a corporate 401(k).
Turn your service into lasting protection for the family that served right alongside you.
Physical, seasonal, commission-based work — planned for the long haul, not just the next job.
An Agent Who Actually Answers the Phone
I'm Jerrick O'Neill, a licensed insurance producer who helps everyday, hardworking Americans access the same tax-free retirement, annuity, and final-expense strategies the wealthy have quietly used for generations.
I'm independent, which means I answer to you — not a single insurance company. I shop 30+ A-rated carriers to find what genuinely fits your life and your budget. No pressure, no jargon, and I don't disappear after the sale.
You've Got Questions. Good.
No. I'll show you the real numbers, answer every question honestly, and let you decide. If it isn't right for you, I'll tell you. My business grows on referrals — not pressure.
Absolutely. This is built for exactly that. Put in more during strong months, skip payments during slow ones, and adjust anytime. Your plan flexes with your income instead of fighting it.
Your account has a 0% floor. In a down year you don't lose money to the market — you earn 0% that year instead of going backward, and the gains from your good years stay locked in.
When structured properly, your money grows tax-free and can be accessed tax-free in retirement — unlike a traditional 401(k), where every withdrawal is taxed. I'll show you exactly how it works for your situation. (This isn't tax advice — I'll always recommend confirming with your tax professional.)
About 10 minutes to build your custom plan. Many options require no medical exam, and I handle the paperwork for you from start to finish.
Your Free Quote Is 10 Minutes Away
See exactly how much tax-free income and protection you could have — at no cost, no obligation, and zero pressure. Let's build it together.