Final expense
Life insurance intended to help loved ones cover funeral costs and other end-of-life expenses. Eligibility, waiting periods, and benefits vary by policy.
Explore final expense ↗Protection. Purpose. Peace of mind.
You built a life.
Help protect it.
The people you love. The home you've worked for. The future you're building. Let's put protection behind what matters most.
IN PARTNERSHIP WITH FOUNDERS FINANCIAL GROUP ↗
FINAL EXPENSEMORTGAGE PROTECTIONINDEXED UNIVERSAL LIFEFIXED INDEXED ANNUITIES
What we help you protect
Life moves forward.
Plan for what comes next.
Every family has a different picture of financial security. Start with what matters to you, then explore the options.
Mortgage protection
Life insurance with mortgage needs in mind. Some policies offer benefits for qualifying illness or disability, subject to policy terms and available riders.
Plan for your home ↗Indexed universal life
Permanent life insurance with index-linked interest potential. Policy charges, funding requirements, caps, and participation rates affect cash value and coverage.
Understand IUL ↗Fixed indexed annuities
Explore tax-deferred accumulation and retirement income options, with interest linked to an index. Contract terms, withdrawal restrictions, and surrender charges apply.
Explore income options ↗Our partnership
Black Briar drive.
Founders support.
Black Briar Financial Group partners with Founders Financial Group. Together, the focus is helping people explore protection while supporting the agents who serve them.
Meet Founders Financial Group ↗FOUNDERS FINANCIAL GROUP
Resources behind the relationship.
Founders describes its platform as an insurance marketing organization built around agent development, technology, and carrier relationships.
Training & mentorship
Digital onboarding, weekly learning, and opportunities for hands-on development.
Technology & resources
Tools that support quoting, client tracking, and agency operations.
Carrier relationships
Access to insurance options through Founders' carrier network, subject to agent contracting and product availability.
The Black Briar approach
Clear conversations.
Confident next steps.
Financial protection starts with understanding your life. No jargon marathon. Just a practical conversation about the people and priorities behind your plan.
Find your starting point ↗01
Start with your priorities.
Talk through your family, responsibilities, current coverage, and what you want to protect.
02
Understand your options.
Review how coverage works, what it costs, and the conditions and limitations that matter.
03
Choose your next step.
Decide what fits your needs and budget, with room to ask questions before moving forward.
A little clarity goes a long way
Good questions. Clear answers.
Where should I start?
Start with the financial responsibilities your loved ones would face without you. Consider your income, debts, mortgage, and existing coverage. A conversation can help organize those priorities before you consider a policy.
Is mortgage protection the same as homeowners insurance?
No. Homeowners insurance generally covers certain property losses and liability. Mortgage protection generally refers to life insurance intended to help address mortgage debt after a covered death. Benefits, beneficiaries, and conditions depend on the policy.
What if I already have insurance through work?
Employer coverage is a useful starting point. Review the benefit amount, whether it continues if you change jobs, and how it compares with your family's financial needs before deciding whether to explore additional coverage.
Is an annuity right for everyone?
No. Suitability depends on your goals, liquidity needs, time horizon, and financial circumstances. Contracts may include fees, surrender charges, and withdrawal restrictions. Review the specific contract and discuss tax questions with a qualified tax professional.
Your next chapter starts here
Protect the life
you're working for.
You don't need every answer to take the first step.
Choose a topic and see what to prepare for your conversation.
A simple starting point. No personal or financial information is collected on this page.