Insurance that actually has your back
Phil Braunstein Insurance is an independent agent that works with multiple top-rated carriers to find the right life insurance, final expense, mortgage protection, and annuity coverage for you and your family.
Coverage for every stage of life
From protecting young children to planning lifetime income, we tailor policies that fit where you are — and where you're going.
Life Insurance
Term and whole-life policies that protect your family's financial future if you're no longer there.
Learn moreFinal Expense
Affordable whole-life coverage designed to handle burial, medical, and other end-of-life costs.
Learn moreMortgage Protection
Help keep your family in their home by paying off the mortgage balance if you pass away.
Learn moreAnnuities
Annuity options that can provide income for life. Guarantees are backed by the claims-paying ability of the issuing insurance company. Features and availability vary by product and state.
Learn moreWhy choose an independent agent?
Phil works for you, not the insurance company. That changes everything.
Multiple Carriers
As an independent agent, Phil works with multiple top-rated carriers to find coverage that fits your life and budget.
Fast, Free Quotes
Get a personalized quote in minutes — no obligation, no pressure, just clear answers.
Personal, Dedicated Support
A real person who knows your name and your coverage, available when you need help.
Family-First Protection
Coverage built around your loved ones — from income replacement to final expenses and lifetime income.
Simple, transparent pricing
Starting points for popular coverage levels. Your final rate depends on your details — get a quote for an exact price.
Term Life
Affordable protection for a set period, when your family needs it most.
- $100k–$1M+ in coverage
- 10, 15, 20 & 30-year terms
- Level monthly premiums
- Some plans don't require a medical exam. Approval isn't guaranteed. Eligibility depends on your health answers and underwriting.
- Convertible to whole life
Final Expense
Small whole-life policies that cover burial and final bills.
- Guaranteed-issue options
- Some plans don't require a medical exam. Approval isn't guaranteed. Eligibility depends on your health answers and underwriting.
- Ages 50–85
- Builds cash value
- Covers burial & final costs
Mortgage Protection
Help pay off the mortgage so your family keeps the home.
- Pays mortgage balance
- Level or decreasing term
- Living-benefits rider
- Simplified underwriting. Many applicants get a decision quickly.
- Protects the family home
Annuities
Annuity options that can provide income for life. Guarantees are backed by the claims-paying ability of the issuing insurance company. Features and availability vary by product and state.
- Tax-deferred growth
- Lifetime income options
- Single-premium or flexible
- Annuity options that can provide income for life
- Carrier-shopped rates
Starting prices shown for illustrative purposes only. Actual premiums vary based on age, health, coverage amount, term length, state, and carrier underwriting. Not a binder or offer of coverage.
Ready to protect what matters most?
Get a free, no-obligation quote in minutes. One conversation could secure your family's future.
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