Final Expense
Cover the costs your family shouldn't have to.
- Whole-life policy that never expires
- Simplified underwriting — often no medical exam
- Locks rates in for life
Who it's for
Ages 50–85 wanting peace of mind for loved ones.
Licensed in Florida · Serving families nationwide
Life insurance you can actually live with.
Traditional life insurance only pays when you're gone. We design coverage you can tap into for critical illness, chronic conditions, retirement and college — while you're still here to enjoy it.
- A-rated carriers
- Palm Beach, FL
- Free, no-pressure consult
4+
Pillars of protection
Final Expense · Term · IUL · Annuities
Powered by AI · Available 24/7
Speak with our AI agent
anytime, day or night.
Ask questions about Final Expense, Term Life, IUL, or annuities — get clear, unhurried answers. When you're ready, book straight onto Valerie's calendar.
Four pillars of protection
One agent. Every season of life.
Coverage that adapts as your needs change — from your first family policy to retirement income you can't outlive.
Term Life
Maximum protection during life's biggest decades.
- 10, 20, or 30-year level premiums
- Living benefits riders available
- Convert to permanent coverage later
Who it's for
Growing families, new mortgages, income earners.
Indexed Universal Life (IUL)
Tax-advantaged growth with a built-in safety net.
- Cash value tied to market index — without market losses
- Tax-free access via policy loans
- Living benefits for chronic & critical illness
Who it's for
Earners building tax-efficient wealth and legacy.
Fixed Indexed Annuities
Retirement income you can't outlive.
- Principal protection from market downturns
- Guaranteed lifetime income options
- Tax-deferred compounding growth
Who it's for
Pre-retirees and retirees seeking stable income.
Why living benefits
Traditional life insurance only does one thing.
We've all been told we should have life insurance — it's the responsible thing to do for our loved ones. But wouldn't you rather pay for a benefit you can actually access in an emergency?
With living benefits, if you're diagnosed with a critical or chronic illness, or suffer a severe injury, you can access your death benefit while you're still living.
Chronic Illness
Access your death benefit when you need long-term care.
Critical Injury
Cash when a heart attack, stroke or major injury strikes.
Retirement
Tax-advantaged income through policy loans.
College Savings
Build cash value for tuition — without 529 restrictions.
Hi, I'm Valerie
Your agent, advocate, friend
Meet your agent
Valerie Schuster
Licensed Life Insurance & Annuity Agent · Palm Beach, FL
I started in this industry for a simple reason: I watched too many families discover, at the worst possible moment, that their policy didn't do what they thought it would.
My job is to make sure that never happens to you. We'll sit down — over coffee, video, or phone — and design coverage that actually fits your life, your budget, and your goals. No pressure. No jargon. Ever.
Based in
Palm Beach, FL
Licensed
Florida & multi-state
Specialty
Living benefits
Book your free consultation
Pick a time — or send a quick note.
Grab any open slot on Valerie's calendar, or share a few details below and she'll get back to you within one business day.
Live availability
FAQ
Questions, answered.
Living benefits let you access part of your life insurance death benefit while you're still alive if you're diagnosed with a chronic, critical, or terminal illness. Traditional policies only pay when you die; living benefits pay when you need it most.
Term Life is pure protection for a fixed period (10–30 years) — affordable, simple, and expires at the end of the term. IUL (Indexed Universal Life) is permanent coverage with a cash-value component that grows tied to a market index, with protection from market losses and tax-advantaged access while you're alive.
Most Final Expense policies use simplified underwriting — a short health questionnaire and no medical exam. Coverage can often be in force within days.
It's a long-term retirement vehicle where your principal is protected from market losses, your growth is linked to a market index, and you can convert it into guaranteed income you can't outlive. Ideal for pre-retirees and retirees.
Nothing. Consultations with Valerie are always free and never high-pressure. If we're not the right fit, she'll tell you.
Yes. Our AI voice agent is trained on our products and processes — ask anything, anytime. When you're ready to talk to Valerie, it'll help you book directly onto her calendar.