Simple & Affordable Life Insurance
Nick Elovitz is a local, independent agent here to help clients aged 40 to 70 find the right coverage for their term, whole and permanent life insurance needs.
Why Work with Nick
Always Local
Nick maintains a residence in both downtown Nashville & in the DMV-area. He can personally be at your residence &/or place of business within 24-hours, for a no-commitment/educational meeting to discuss your areas of risk & how best to attack those needs.
Most Affordable
Because we can quote each & every major carrier that conducts business within the state you reside in, finding the company with the best rate simply becomes a formality. This means we can compare quotes across the market and pinpoint the most cost-effective option for your specific situation.
Completely Independent
Client satisfaction is our goal. Independence secures life insurance at the lowest rate, letting you keep premium savings instead of paying carriers more. Our loyalty is to you, not any carrier. Independence prioritizes your financial goals by finding the lowest premium so you keep more money and allocate it most effectively.
- Allianz
- American General/Corebridge
- American National
- Ameritas
- Assurity
- Athene/Accordia/Global Atlantic
- Banner/Legal and General America
- Cincinnati Life
- Companion Life
- Equitable
- Genworth Financial
- John Hancock
- Lincoln Financial Group
- Lloyds of London
- MassMutual
- MetLife/Brighthouse
- Minnesota Life
- Mutual of Omaha/United of Omaha
- National Life Group
- Nationwide
- New York Life
- North American
- OneAmerica
- Pacific Life
- Principal Life Insurance Company
- Protective Life
- Prudential
- ReliaStar
- SBLI
- Securian
- Security Mutual
- Symetra
- Transamerica
- US Life
- Voya (formerly ING)
- Zurich
Frequently Asked Questions
Is life insurance too expensive at my age?
Not necessarily! While premiums increase with age, term life insurance remains an affordable solution for most people. You can adjust the coverage amount and policy length to fit your budget. For example, choosing a 10- or 15-year term can lower monthly costs while still providing crucial coverage during key financial years.
Example: A $500,000 policy may cost significantly less than you expect—let Nick show you all available options.
Why is term life insurance ideal for ages 40-70?
Lower Cost Than Whole Life – Term life insurance is significantly more affordable than permanent life insurance, making it a great choice if you need protection without the high premiums.
Flexible Coverage Lengths – Choose a term that aligns with your needs—10, 15, 20, 25, 30, 35 & 40-years.
Peace of Mind for Your Loved Ones – Ensure your family is protected from financial burdens like outstanding debts, funeral expenses, or lost income.
No Investment Hassles – Unlike whole life insurance, term life is simple—no confusing cash value components, just straightforward protection.
What term length should I choose?
- 10-Year Term – Ideal for covering short-term financial needs like folks that are working on a limited budget.
- 15-20-25-Year Term – A great choice if you have longer financial responsibilities, such as supporting a spouse or covering estate planning costs.
- 30-35-40-Year Term – Less common, but an option for those who want to lock in rates for a longer period.
What’s the underwriting process like?
Underwriting varies by insurer, but Nick works with every major carrier to help you find the best possible rates based on your unique situation.
Here’s what to expect:
- Medical Questions – Most term policies require some health history information.
- Medical Exam (Sometimes Required) – Some insurers may ask for a simple exam, but no-exam policies are also available.
- Rate Shopping – If one company doesn’t offer the best rate, Nick will shop your case with other highly-rated carriers to ensure you get the lowest premium.
Do you offer discounts?
- Quarterly payments – ~2% discount
- Semi-annual payments – ~4% discount
- Annual payments – ~6% discount
Additionally, quantity discounts apply when purchasing life insurance as well. You purchase life insurance in $1,000 increments—the more coverage you buy, the lower the cost per $1,000 unit.