The people who depend on you should not have to start over.
Lone Island Life is Christopher Island’s independent agency. More than one carrier, an honest answer about what you need and what it costs, and all of it handled by phone, wherever you live in the U.S.
No cost, no obligation, and your information is never sold.
What working with us looks like
One conversation, not a callback queue
One person handles your file, and the same person answers when you call back in three years.
More than one company competing
We are independent, so your application goes to the carrier that treats your situation best.
Your information stays here
It is never sold to a lead buyer. You will not get twenty calls tomorrow.
Your rate depends on you. So should the amount.
An online calculator assumes an average mortgage, an average income, and an average family. Yours is none of those. What your family would need moves with what you owe, what you earn, and who depends on it. The rate does not: life insurance is priced on your age and health, not your zip code, so getting the amount right costs the same per thousand dollars as getting it wrong.
- Locked
- Your premium never rises once the policy is issued
- Tax free
- Death benefits generally pass income tax free
- Portable
- A policy you own follows you between jobs
Eight ways to solve the same problem
Which one fits depends on what you are protecting and for how long. Here is the plain version of each.
- Term LifeThe most coverage for the least money, for the years it matters most.
- Whole LifeA fixed premium and a guaranteed benefit that does not expire.
- Indexed Universal LifePermanent coverage with cash value linked to a market index, and a floor underneath it.
- Final ExpenseA smaller whole life policy built to cover a funeral and the bills that follow.
- Mortgage ProtectionCoverage sized to the balance on your home loan.
- Living BenefitsThe part of the policy that pays you while you are still here.
- AnnuitiesTurning a lump sum into income you cannot outlive.
- Children’s Whole LifeLocking in a child’s insurability at today’s health and today’s age.
Four steps, all by phone, wherever you live
No office to drive to and no surprise appointment. Most people are done in under two weeks, and a good chunk of that is waiting on a doctor’s office.
- 01
Tell us the situation
Five minutes on what you owe, who depends on you, and what your health looks like. No paperwork yet.
- 02
We shop it
Your file goes to the carriers most likely to treat it well. You see real numbers side by side, not one company’s pitch.
- 03
You apply once
One application to the company that fits. Often no exam. Electronic signature, done from your kitchen table.
- 04
It stays reviewed
The policy arrives, you file it somewhere findable, and we check in when your life changes. Not when a quota does.
Different households, different math
A tradesperson with a union policy and a two-income family with a new mortgage are solving different problems. Start with the one that sounds like yours.
- Open the calculator
Not sure which one you are?
Most people are two of them at once. Run the calculator and it will point you somewhere useful.
Christopher Island
Licensed Life Insurance Agent
One agent, start to finish, and still here in five years.
Life insurance has a reputation problem, and it earned most of it. Pressure tactics, products sold because they paid best, and agents who vanish the week after the policy is issued. That is not how this works.
Christopher works with families directly, by phone and email, wherever they live. You get a real explanation of what each option does, an honest read on which one fits, and the same person to call when something changes.
Read it before you talk to anybody
Including us. An informed buyer is a better client and a harder person to sell something useless to.
The questions we get most
If yours is not here, ask it. There are no stupid ones in this business, only expensive ones nobody asked.
What does life insurance actually cost?
It comes down to your age, your health, tobacco use, and how much coverage you buy. Age is the one working against you every year. The only way to get your number is to run it, and that takes a few minutes.Do I need a medical exam?
Often not. Many carriers approve healthy applicants using prescription history and database checks instead of a nurse visit, sometimes within a day.I was declined before. Is it worth trying again?
Almost always. Carriers underwrite the same condition very differently, and their guidelines change. One decline from one company several years ago tells you very little.Do I pay more by going through an agent?
No. Rates are filed with the state and are the same whether you apply direct or through an agent. The carrier pays the agent, not you.Will my information get sold?
No. It is used to help you with your coverage and nothing else. You will hear from one person, not a lead list.
Want to build a career in insurance?Join The Island
Let’s find out what you’d actually pay.
A short conversation, real numbers from multiple carriers, and no obligation at the end of it. Most people are surprised how quick it is.
No cost, no obligation, and your information is never sold. Monday to Saturday, 9am to 8pm ET.