Our Mission
Partner With UsOur
Expertise
Protection for your family, your home and your financial future.
Our Founder
Protection that goes beyond the policy.
Talk with a licensed specialist about mortgage protection, veterans coverage, term or whole life, or protecting your savings from market loss. The conversation is always free.
The only limit we have is the one we place on ourselves.
What Drives Us
Clients First
Every recommendation starts with what your family needs, and we stay with you long after the policy is in place.
Growth as a Team
We progress as individuals and as a team. When one of us wins, all of us move forward.
Faith
We grow in faith and let it guide how we treat people, in business and in life.
Mindset
We sharpen our minds every day, because better thinking leads to better service.
Discipline
We grow physically too. The discipline that builds a healthy body builds a lasting business.
No Limits
We keep pushing the needle forward, for our clients, our agents and our communities.
Ready to go beyond?
Clients can speak with a licensed specialist today. Agents can apply to join a team that grows together.
Our specialties
At Beyond Financial Group, we specialize in what matters most: your family, your home and your financial future. Every plan starts with a no-cost conversation.
Learning Center
Straight answers before you buy.
Our Top Carriers
As independent brokers, we aren’t tied to one company. These are the 15 carriers we place with most, and we compare rates and underwriting across all 47.
Our founder
Beyond Financial Group was founded by Nico D. Howard on one belief: the standard can always be higher, for clients and for agents.
Submit a request for coverage
It’s the cheapest it will ever be today. Tell us a little about you, and a licensed specialist will reach out.
How it works
- 1Share the basics. It takes about a minute.
- 2A specialist compares carriers for your age, health and state.
- 3You choose the plan. No pressure, and no cost to talk.
Build a career that goes beyond.
We’re growing. Licensed or not yet licensed, if you’re coachable and driven, there’s a seat for you.
What you get
- 1Contracting with the carriers our agents place business with every day.
- 2A training vault, scripts and mentorship from producers who do it daily.
- 3A team that grows together, with the tools to build your own.
Mortgage protection is life insurance built around your home. If something happens to you, it makes sure your family can stay in the house you worked so hard for. There are two ways to set it up, and we’ll help you pick the one that fits.
Option 1: Equity Protection
This is the option most of our clients go with. Instead of buying enough coverage to wipe out the whole loan, we structure a permanent whole life policy to take care of your mortgage payments for a specific period of time.
You choose how long the payments are covered
- Through the critical period: enough to carry your family over the first months after an illness or death, while everyone gets back on their feet.
- One full year of payments: a full year for your family to adjust, plan and decide what’s next without the pressure of losing the house.
- Longer, if you choose: two years, five years or more. We build the coverage to match what gives you peace of mind.
Why permanent coverage
- It never expires. Whole life stays in force for your whole life as long as premiums are paid, so you’re protected whether you pay the house off in 10 years or refinance in 5.
- Fixed premiums. Your price is locked in and never goes up.
- Living benefits. Many whole life policies let you access part of the benefit if you’re diagnosed with a qualifying terminal, chronic or critical illness, so the payments can be covered even if you’re alive but can’t work.
- Cash value. Whole life builds guaranteed cash value over time that you can borrow against.
Estimate your payment coverage
Enter your monthly mortgage payment and choose how long you’d want it covered. The numbers filled in are an example.
Option 2: Full Pay-Off
Full pay-off coverage is a term life policy sized to your mortgage balance. If you pass away during the term, the benefit is large enough for your family to pay off the house completely.
- You pick a coverage amount close to your mortgage balance and a term that matches the years left on your loan (15, 20, 25 or 30 years).
- You pay a fixed monthly premium. The price is locked for the length of the term.
- If you pass away during the term, the benefit goes to the beneficiaries you name, not the bank.
- When the term ends, the coverage ends. Many term policies can be converted to permanent coverage before then without new health questions.
Return of premium
Some term plans offer a return-of-premium option. If you outlive the term, you get back the premiums you paid. It costs more each month, but some families like knowing the money isn’t gone if they never use it.
Side by side
| Equity Protection | Full Pay-Off | |
|---|---|---|
| Type of coverage | Permanent whole life | Term life |
| What it covers | Your mortgage payments for the period you choose | The full mortgage balance |
| How long it lasts | Your whole life | The term you pick (15–30 years) |
| Premiums | Fixed for life | Fixed for the term |
| Cash value | Yes, guaranteed | No |
Your family gets paid, not the bank
Mortgage insurance sold by a lender usually pays the lender directly, and the payout often shrinks as your balance goes down while your premium stays the same. Both of our options pay your family, and they decide how to use it.
Mortgage protection vs. PMI
PMI (private mortgage insurance) protects the lender if you stop paying your loan. It does nothing for your family if you pass away or get sick. Mortgage protection is the coverage that protects your household.
Who it’s for
- New homeowners and anyone who recently refinanced
- Households that rely on one or two incomes to make the payment
- Anyone who has built up equity and wants to make sure it stays with their family
When you leave the military, your Service members' Group Life Insurance (SGLI) ends. Veterans have a few ways to keep their family protected, and the best choice depends on your age, health, budget and how much coverage you need.
Your main options
Why compare before you convert
- VGLI premiums rise as you age. What’s affordable at 35 can cost several times more at 55 or 65.
- Private whole life locks in your price. Premiums never go up, and the policy builds cash value.
- You can combine options. Some veterans keep VGLI or VALife and add a private policy for more coverage or mortgage protection.
- Service-connected conditions don’t always rule you out. Carriers look at health differently, which is why we shop several.
How we help veterans
- Compare VGLI and VALife side by side with private options from multiple carriers
- Build coverage around your mortgage, income and family
- Walk you through applications and underwriting from start to finish
Term life vs. whole life
Both pay your family if you pass away. The difference is how long they last, what they cost and whether they build cash value.
Term life is like renting protection for a set number of years. Whole life is like owning it: it lasts your whole life and builds value along the way.
| Term Life | Whole Life | |
|---|---|---|
| How long it lasts | A set term: 10, 15, 20, 25 or 30 years | Your entire life, as long as premiums are paid |
| Cost | Lowest cost for the most coverage | Much higher premiums for the same death benefit |
| Premiums | Level during the term, then rise sharply or end | Fixed for life |
| Cash value | None | Guaranteed cash value that grows and can be borrowed against |
| Best for | Income replacement, mortgage, raising kids | Final expenses, estate planning, lifelong needs |
| If you outlive it | Coverage ends (unless you have return of premium or convert) | Always pays out, as long as it stays in force |
When term makes sense
Your biggest money needs have an end date. The mortgage gets paid off, the kids grow up and retirement savings build. Term covers those years at the lowest cost. Many families buy term and put the savings toward retirement.
When whole life makes sense
You want coverage that’s guaranteed to be there no matter when you pass: to cover final expenses, leave an inheritance or provide for a dependent who will always need support. You may also like the forced savings of cash value.
You don’t have to choose just one
Many families combine them: a large term policy for the working years, plus a smaller whole life policy for lifelong needs. Many term policies can also be converted to permanent coverage later without a new medical exam.
How much life insurance do I need?
A quick rule of thumb, a better method and a calculator to estimate your number.
The quick rule of thumb
Many people start with 10 to 12 times their yearly income. It’s a decent starting point, but it ignores your mortgage, debts, kids and savings.
The DIME method
DIME adds up four things your family would need to cover:
- D – Debt: car loans, credit cards, student loans and other debts (not the mortgage).
- I – Income: your yearly income times the number of years your family would need it.
- M – Mortgage: the balance left on your home loan.
- E – Education: what you want set aside for your kids' schooling.
Then subtract coverage and savings you already have. Try it below. The numbers filled in are an example; replace them with your own.
Other things to think about
- Childcare costs if a stay-at-home parent passes away. Their work has real dollar value.
- Inflation over the years your family depends on the benefit.
- Employer coverage that ends if you change jobs.
Common questions, simple answers
The questions we get asked most, answered in a sentence or two.
Do I need a medical exam?
Not always. Many carriers now approve policies using your answers, prescription history and medical records instead of a blood test. Larger amounts or some health situations may still need an exam, which is free and can be done at your home.
Can I get coverage if I have health problems?
Usually, yes. Conditions like diabetes, high blood pressure or past heart issues can affect your price or which carrier fits best, but they rarely rule you out. This is where working with a broker helps: each carrier treats conditions differently.
How much does life insurance cost?
It depends on your age, health, tobacco use, coverage amount and type of policy. A healthy 35-year-old can often get a 20-year term policy for less per month than a streaming subscription or two. We’ll get you real quotes.
Who should be my beneficiary?
Anyone you want to receive the money: a spouse, children, a family member or a trust. Avoid naming minor children directly. A trust or custodian lets the money be managed for them.
Is the payout taxed?
In most cases, the death benefit is paid to beneficiaries free of federal income tax. Talk to a tax professional about your specific situation.
What if I already have life insurance through work?
Work coverage is a good start, but it’s often only 1 to 2 times your salary and usually ends if you leave the job. Most families need a personal policy they keep no matter where they work.
How long does it take to get approved?
Some policies are approved the same day. Fully underwritten policies can take a few weeks. We’ll tell you what to expect up front and keep you updated.
Can I change or cancel my policy?
Yes. You can cancel anytime, and most policies have a free-look period (often 10 to 30 days) during which you can get a full refund. Many term policies can also be converted to permanent coverage later without new health questions.
Why use a broker instead of going to one company?
One company can only offer its own products and prices. A broker compares many carriers, so you get the one that fits your health and budget best. You don’t pay more for using a broker.
What happens if I miss a payment?
There’s a grace period, usually 30 or 31 days, when your coverage stays active. If you think you’ll miss a payment, call us first. There are often options to keep the policy in force.
Term life insurance covers you for a set number of years. If you pass away during that time, your beneficiaries receive the death benefit, usually free of federal income tax. If you outlive the term, the coverage ends. Because it doesn’t build cash value, term is the lowest-cost way to buy a large amount of protection.
How it works
What term life is great for
- Income replacement while you’re working and your family relies on your paycheck
- Paying off the mortgage so your family keeps the home
- Raising kids, covering childcare and college if you aren’t there
- Covering debts like car loans, student loans or a business loan
Options worth knowing about
- Conversion: many term policies let you switch to permanent coverage later without a new medical exam, even if your health has changed.
- Return of premium: some plans refund the premiums you paid if you outlive the term. It costs more per month.
- Living benefits: many carriers let you access part of the benefit early if you’re diagnosed with a qualifying terminal, chronic or critical illness.
Not sure how much you need? Try our coverage calculator, or compare term vs. whole life.
Whole life insurance is permanent coverage. As long as premiums are paid, it stays in force for your whole life and pays your beneficiaries whenever you pass away. Part of every premium builds guaranteed cash value that you can borrow against while you’re living.
The guarantees
What people use whole life for
- Final expenses, so your family isn’t left with funeral costs and bills
- Mortgage protection, structured to keep your payments current (see Equity Protection)
- Leaving a legacy to children, grandchildren or a charity
- Lifelong dependents, such as a child with special needs
- Forced savings that build steadily in the background
Good to know
- It costs more than term for the same death benefit, because it lasts for life and builds cash value.
- Policy loans accrue interest and reduce the death benefit if they aren’t repaid.
- Dividends: some policies from mutual companies may pay dividends. Dividends are not guaranteed.
- Surrendering early can mean getting back less than you paid in.