Learn How The Right Life &
Health Insurance
Can Protect You And Your Family At Every Angles
Ian Warkol has more than 15 years experience helping the Military, Federal Employees, Teachers, Nurses, Homeowners, and the General Public. Ian's extensive knowledge in Life and Health Insurance will match you with the best Company based on your individual needs:
MORTGAGE PROTECTION
LIVING
BENEFITS
AFFORDABILITY
NON-MED EXAM
Get the right advice, the right help, and the right guidance on...
FEGLI Savings
With my simple FEGLI option B cost savings analysis, I can help you save on average at least $75K over a duration of 15 years
Living Benefits
If you have a terminal, chronic, or critical illness such as a heart attack or cancer, living benefits will help pay for these expenses
Term Insurance
This is the most affordable plan. Unlike FEGLI, your rate is always fixed for the entire term duration and won't increase every 5 years
Permanent Insurance
Looking for a longer term duration than 30 years? This plan offers permanent coverage even past age 100 with a fixed rate
Long Term Care
I got you covered if you can't perform two of the six daily activities such as bathing, dressing, eating, transferring, tioleting, and continence
Tailored Underwriting
With my 15 years of experience, I specialize in matching my clients' health history with more than 30 carriers to guarantee you the best, most honest rate
Spousal Coverage
Does your spouse need coverage? Whether he/she is a federal employee or not, I can still help you find affordable plans
Final Expense
If you have major health issues or just looking for a small policy, this plan is the most suitable for you. There is no medical exam required.
Save On FEGLI With
Affordable Life Insurance
With more than 15 years of experience in
the Federal Government, Military, and Life
Insurance markets, Ian Warkol is
your top broker for bringing you:
INTEGRITY
AFFORDABILITY
RELIABILITY
QUALITY
Top 8 Life Insurance Carriers
I am also partnered with 25 other carriers such as Mutual of Omaha, Principal, Transamerica, and many more
to guarantee you the best rate, coverage, and value based on your financial needs and medical history
AM Best Rating: A+
Well-known in the industry for up to $2M in coverage without a medical exam. Highly recognized for their all-encompassing living benefits and tax-free retirement plan.
AM Best Rating: A
Well known also in the industry for their term and permanent living benefits coverage. They also offer a non-medical product with up to $249,999 of coverage
AM Best Rating: A+
Even though, they’re not a household name, overall, Protective is still a superior company favorable in underwriting leniency, speed, value, customer service, and cost
AM Best Rating: A
Industry leader for lenient underwriting for type 1&2 diabetes, and obesity, a more comprehensive favorable tobacco niche, and offers generous coverage for a non-med product
AM Best Rating: A+
A good household name specializing in the tobacco niche and providing exceptional service. Their rates are reasonable for someone with common health problems
AM Best Rating: A
A top name brand offering unbeatable prices, especially if you suffer from pre-existing health conditions (e.g. diabetes, obesity, high blood pressure, sleep apnea, etc.)
AM Best Rating: A+
One of the oldest companies backed with more than 130 years of history. They're primarily known for their term and permanent living benefits coverage supplied at competitive prices
AM Best Rating: A+
Known for their versatility, Paclife has a competitive advantage in fast underwriting (assuming your health is decent), weight problems, mild anxiety or depression, and asthma
AM Best Rating: A+
If you’re a diabetic, overweight, or even had skin cancer, like AIG, Banner will also be your top pick. The greatest strength Banner possesses is offering longer term products past 30 years
SOME OF MY
Testimonials
Raymond Peterson
Aviation Safety Inspector
Federal Aviation Administration
"I was an individual for many years focused on the success of my Organization and didn't realize how I paid enormous amounts to maintain FEGLI for over two decades.
Then it hit me! I responded to an email from Ian and it resulted in making one of the best decisions in my career.
Ian truly has a solid understanding of his profession and is highly committed to his customers' success."
Vanessa Lovelace
Computer Specialist
Federal Aviation Administration
"Ian Warkol was so knowledgeable, helpful, and patient with me when he explained all the benefits, making sure I clearly understood all the insurance provided. My biggest impression was the “Living Benefits” feature which pays me when or if I get sick and can’t work.
The federal government offers a similar plan but you have to pay a separate price. This policy Ian found for me is included in the low cost price. I could not beat that."
Myles Saunders
Retired Neurosurgeon
"I found Ian on the Net. We made plans to meet on several occasions. He was prompt and well prepared. He listened to my needs and initially gave me an overview of what to expect.
On the subsequent meeting, he made a concrete recommendation which was well reasoned, but slightly expensive.
He adeptly made some changes in his recommendation which then satisfied all my needs."
Deborah Nesbitt
Program Manager
U.S. Custom Border Protection
"I found Ian Warkol in the nick of time, less than three months before I turned 55 (when FEGLI rates double). He has a clear understanding of FEGLI and gave me a detailed cost savings analysis present outside of the FELGI program.
After discussing my needs, Mr. Warkol provided several options. I decided on a Guaranteed Universal Life Insurance policy through AIG with coverage to age 90, with premiums less than what I would have paid for FEGLI coverage."
Mike Bira
Environmental Scientist
U.S. Environmental Protection Agency
"After several correspondences, I am happy to say that Mr. Warkol has been very helpful. The fact that I live in Texas and Mr. Warkol lives and works in California was not an issue in securing a very good rate for life insurance.
The monthly costs for my FEGLI coverage was over $350 per month. Mr. Warkol was able to find a reduced, level premium term plan for both my wife and I, at only $86 per month. We're very happy with our savings.”
James Rosebrock
Operations Officer
Alcohol, Tobacco, Firearms, & Explosives
“I have always carried FEGLI Option B coverage. After speaking with Ian, I can confidently say he knows the insurance business inside out. He also genuinely understands the perspective of federal employees and how FEGLI works.
After he patiently and clearly explained the entire simple process, I purchased an AIG term policy. I couldn't be more ecstatic to know my premium will not increase and I will save $88,000 over the 20 year span of the policy."