Learn How The Right Life &

Health Insurance

Can Protect You And Your Family At Every Angle

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:






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:





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



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