Imara Financial Group

Most people are overpaying for life insurance.

We have been able to lower the cost of 85% of policies bought in the past few years. We compare the A-rated carriers we work with and match you to the lowest rate for your age and health.

Book your call Get my rate

A-rated carriers onlyFinancially strong companies behind every policy

No med examA few health questions instead

Lowest rate for youMatched by your age and health

How we find your rate

From a few answers to your lowest price.

Step 1

You share the basics

Date of birth, height, weight, tobacco use, health, and how much coverage you want.

Step 2

We check every carrier

Each carrier we work with prices age and health differently, so the cheapest one changes from person to person.

Step 3

You get the lowest rate

No medical exam. We walk you through the best fit on a short call.

Same person. Same coverage. Different price.

That is why shopping one company can cost you. We line up the carriers we work with and pick the lowest one for your profile.

Carrier A

Carrier B

Carrier C

Carrier D

Lowest for you

Carrier E

Carrier F

Lower priceHigher price

Illustration only. Actual rates and which carrier is lowest depend on your age, health and coverage.

Why work with us

You should not have to guess which company is cheapest.

We find the lowest rate for you

Every carrier we work with prices your age and health differently. We check them all and show you the cheapest one.

85% of recent policies can cost less

If your policy was bought in the past few years, there is a strong chance we can save you money on it. Savings are not guaranteed for every policy.

A-rated carriers only

We only place coverage with A-rated insurance carriers, so the company behind your policy is financially strong.

No med exam

You answer a few health questions instead of sitting through a medical exam. Eligibility depends on your answers.

About us

Meet Imara Financial Group.

We are a life insurance brokerage, which means we are not tied to one insurance company. We work for you, and we compare the carriers we work with to find the one that fits your age and health at the lowest price.

We keep it plain: what it costs, what it covers, and what happens next. If the policy you already own is the best deal, we will tell you to keep it.

Book your call

Coverage we offer

Four types of coverage, one brokerage to compare them.

We specialize in final expense. Not sure which fits? The coverage guide explains each one in plain language.

Final expense

A smaller whole life policy that pays for funeral costs and final bills, so your family does not have to.

Read about final expense

Indexed universal life (IUL)

Lifelong coverage with a cash value that can grow based on a market index, with a floor that protects it in down years.

Read about IUL

Mortgage protection

Coverage sized to your mortgage, paid to your family so they can keep the house.

Read about mortgage protection

General life

Term and whole life for income replacement, young families, and everyday protection.

Read about general life

Open the full coverage guide

Get my rate

Tell us a little about you.

Two minutes, no medical exam. These answers are what carriers use to price your coverage, so the closer they are, the closer your rate will be.

Prices depend on age, health, tobacco use, and amount.
We review your details and get back to you with your rate.
Want to talk it through? You can book a call after you submit.

Full name

Phone

Date of birth

What are you hoping to do?

Height and weight

Feet

Inches

Weight (lbs)

Do you use tobacco or nicotine?

Non-smoker Smoker

Any of these in your health history? (optional)

Heart condition Diabetes Cancer history Lung or breathing High blood pressure Other

Coverage amount

Type of coverage

Coverage, rates and eligibility vary by age, health and state.

Book your call today.

A short call is all it takes. We look at your age and health, check every A-rated carrier we work with, and tell you who has the lowest rate.

Pick a time

Contact

Rather send a message?

Ask a question, share what you have today, or tell us what you are hoping to do.

Coverage guide

Four types of coverage, explained.

Each one solves a different problem. Compare them at a glance, read the details below, then get a rate or book a call.

Compare at a glance
	Final expense	IUL	Mortgage protection	General life
Main purpose	Funeral and final bills	Protection plus savings	Keep the home in the family	Replace income
Coverage lasts	For life	For life	Matches your mortgage	Term or for life
Builds cash value	Modest	Yes, index-linked	No	Whole life only
No med exam	Available	Some options	Available	Available

Details vary by carrier and plan. Eligibility depends on your age, health and answers to health questions.

Our specialty

Final expense

A smaller whole life policy built to cover funeral, burial or cremation, and final bills, so your family is not left to cover them.

Funeral Burial or cremation Medical bills Leftover debts

Get my rate Book a call

What it is: Permanent whole life insurance with a modest face amount. The premium stays the same and the coverage lasts for life while premiums are paid.
Best for: Adults who want to leave their family a funeral paid for, especially older applicants or anyone with health conditions who has been declined elsewhere.
How you qualify: No medical exam. Most plans ask a few health questions. Guaranteed-issue plans ask none, but usually pay a reduced benefit during the first two years.
Good to know: Amounts are typically small, so the premium is too. The cheapest carrier for you depends on your age, tobacco use and health, which is what we compare.

Permanent coverage with cash value

Indexed universal life (IUL)

Lifelong protection plus a cash value that earns interest tied to a market index, such as the S&P 500.

Get my rate Book a call

What it is: A permanent policy with a death benefit and a cash value account. Your cash value is credited based on index performance, up to a cap, and it does not go down when the index does. That floor is often 0%.
Best for: People who want lifelong coverage and a tax-advantaged way to build savings alongside it, and who can fund the policy for many years.
How you qualify: No-exam options may be available depending on your age, health and amount. Larger amounts can require more underwriting.
Good to know: You are not invested directly in the market. Caps, fees and how much you fund the policy all affect results, and growth is not guaranteed. We go through the illustration with you line by line.

Keep the home in the family

Mortgage protection

Life insurance sized to your mortgage. If you pass away, your family receives the benefit and can pay off the loan.

Get my rate Book a call

What it is: A life insurance policy where the amount and length match your mortgage. The payout goes to your beneficiary, who decides how to use it.
Best for: Homeowners who want their family to stay in the house without a monthly payment they cannot carry.
How you qualify: No medical exam. You answer health questions, and approval and rate depend on your answers.
Good to know: This is different from the mortgage insurance a lender sells, where the payout goes to the lender. With your own policy the money goes to your family, and many plans include living benefits for serious illness.

Everyday protection

General life

Term and whole life policies for replacing income and protecting the people who rely on you.

Get my rate Book a call

Term life: Coverage for a set number of years, commonly 10, 15, 20 or 30, at the lowest starting price. It pays out only if you pass away during the term.
Whole life: Coverage for your whole life at a level premium, with a cash value that builds over time.
Best for: Parents, partners and business owners who need to replace income, pay off debts or cover a child's future costs.
Good to know: We compare term and whole life quotes across the carriers we work with, then show you which gives the best value for your age and health.

Still not sure which one fits?

That is common. Tell us what you are trying to protect and we will point you to the right type, then find the lowest rate for it.

Book your call Get a quote

Most people are overpaying for life insurance.

From a few answers to your lowest price.

You share the basics

We check every carrier

You get the lowest rate

Same person. Same coverage. Different price.

You should not have to guess which company is cheapest.

We find the lowest rate for you

85% of recent policies can cost less

A-rated carriers only

No med exam

Meet Imara Financial Group.

Four types of coverage, one brokerage to compare them.

Final expense

Indexed universal life (IUL)

Mortgage protection

General life

Tell us a little about you.

Thank you, we have your details.

Book your call today.

Rather send a message?

Your message is ready.

Four types of coverage, explained.

Final expense

Indexed universal life (IUL)

Mortgage protection

General life

Still not sure which one fits?