Independent life insurance agency
Insurance built around your life.
US Insurance Advisors helps individuals, families and business owners compare life insurance solutions from multiple insurance companies — with a licensed professional to explain every option.
What are you looking for?
Pick one to start a quick, no-obligation quote.
Insurance solutions
Coverage for every stage of life
Each type of coverage solves a different problem. Start with the one that fits, or let us help you compare.
Indexed Universal Life
Permanent coverage with cash value tied to an index, with a floor on negative crediting.
ExploreTerm Life
Affordable protection for the years your family depends on you most.
ExploreWhole Life
Lifetime coverage, level premiums and guaranteed cash value.
ExploreFinal Expense
Smaller whole life policies that help cover funeral costs and final bills.
ExploreMortgage Protection
Life insurance sized to help your family keep the home.
ExploreChildren’s Life Insurance
Permanent coverage started early, at rates based on a young age.
ExploreWhy US Insurance Advisors
An advisor, not a single-company salesperson
Captive agents typically represent one insurance company. As an independent agency, our licensed agents can evaluate multiple carriers, products and underwriting options to help you identify coverage that is appropriate for your needs.
Independent guidance
We compare options from multiple insurance companies, not just one.
Options for different health histories
Each insurer underwrites differently, so comparing can matter.
Straightforward education
Plain-English explanations, including the trade-offs.
Support after the sale
Beneficiary changes, policy reviews and claims help.
How it works
A simple, guided process
Tell us about yourself
Answer a few basic questions about your goals and coverage needs.
Review your options
A licensed insurance professional reviews options from multiple insurance companies.
Meet with an advisor
Talk through coverage, underwriting and policy design, with no pressure.
Apply for coverage
Your advisor helps you through the application and underwriting process.
Indexed universal life
Life insurance that can do more than provide a death benefit.
A properly structured indexed universal life (IUL) policy may combine permanent life insurance protection with cash-value accumulation tied to the performance of an external market index — subject to the policy’s caps, participation rates, expenses and other limitations.
- Life insurance protection
- Cash-value accumulation
- Supplemental retirement strategies
- Legacy planning
- Potential access to cash value
- Children’s long-term planning
Who we help
Guidance for real-life goals
Our carriers
Most of our carriers are rated A- or better by AM Best
Meet the founder
Joshua Lowe
Founder & Licensed Insurance Agent · NPN 19635553
Joshua Lowe founded US Insurance Advisors to give individuals and families transparent, personalized guidance about life insurance. He takes the time to understand each client’s goals before recommending anything, so every strategy is built on trust and long-term stability. Joshua has been a licensed insurance producer since 2020 and is licensed in 33 states and Washington, D.C.
Client stories
What our clients say
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