Independent life insurance agency · Final expense · Mortgage protection · Term life
Know how much life insurance your family needs before anyone sells you a policy.
Most families guess at life insurance and end up with too little, the wrong kind, or none at all. The free Shield Check looks at your income, debts and the coverage you already have, then shows your exact protection gap and the best-fit policy across four carriers — with no obligation to speak to anyone.
See your number free — no email required to start.
Free Shield Check
7 short steps · about 4 minutes
- Financial health score
- 4 carriers compared
- No email needed to start
Free tools — all in one place
Start with a number,
not a sales call
Use any of them, in any order. You see your results first, then decide whether you want a licensed agent to walk through them with you.
Free Shield Check
Life & final-expense protection check
Plain questions about your income, savings, debts and coverage. You get a financial health score, your exact coverage gap and a best-fit recommendation.
Start the checkAnnuity Quiz
Which kind of annuity actually fits
Walks you through guaranteed income versus growth, then shows which annuity structure matches the retirement you described.
Start the quizBook a Free Call
Talk it through with a licensed agent
Pick a time that suits you. One no-cost conversation where we put four carriers side by side on your numbers — and you decide what's next.
Pick a timeEvery tool ends with the same offerSee your results free, then decide whether you want a licensed agent to walk through them with you.
The free Shield Check
Find your protection number in about four minutes
Plain questions about the money you have, the people who depend on you and the coverage you already carry. At the end you get a clear picture of the gap — calculated from your own numbers, not a rule of thumb.
- Your financial health score, calculated from your answers
- A plain-English protection-gap summary
- A best-fit product ranked across 4 carriers
- 1 Profile
- 2 Income
- 3 Assets
- 4 Investments
- 5 Debts
- 6 Insurance
- 7 Review
See your number free — no email required to start.
What we do
Six ways we protect your family
Every recommendation starts from the same place: your numbers, your income need and the carriers we put side by side. Products only appear once the gap is understood.
Final Expense
A modest, permanent policy that covers the funeral, the final medical bills and the last loose ends, so family does not.
- Ages 45–85
- Simplified approval
- Locked-in premiums
Mortgage Protection
Coverage sized to the house and the years left on the loan, so the mortgage is paid even if your income stops.
- Matches your loan term
- Living benefits
- No-exam options
Term Life
Straightforward protection for the years the people you love depend on your paycheck, at the lowest cost per dollar of cover.
- 10, 15, 20 & 30-year terms
- Level premiums
- Convertible options
Indexed Universal Life (IUL)
Permanent coverage with cash value tied to an index and a floor underneath it, so a bad market year cannot take the value with it.
- Permanent coverage
- Indexed growth with a floor
- Tax-deferred cash value
Fixed Indexed Annuities
Growth linked to an index with a guaranteed floor, for savings you would rather not watch move with the market.
- Principal protection
- Indexed crediting
- Tax-deferred growth
Lifetime Income Annuities
Turn savings into a paycheck that keeps arriving for as long as you live, no matter what markets do.
- Guaranteed lifetime income
- Joint-life options
- Income riders
How it works
From a four-minute check to a plan you can hold
Three steps, no obligation, and no product talk until you have seen your own number.
01
Take the free check
Short questions, about four minutes. No email needed to see your number, and nothing is sold on the first screen.
02
Get your personalized gap report
Your financial health score, a plain-English summary of the protection gap and the specific coverage that is missing.
03
A licensed agent walks you through the carriers
One no-cost conversation. We put four carriers side by side on your numbers and you decide what, if anything, to do next.
Free consultation, no obligation
The first conversation costs nothing, and nothing is issued without your yes.
About ShieldLifeCheck Insurance Group
Life insurance help from people who answer the phone
ShieldLifeCheck Insurance Group is an independent insurance agency. Willie J.R. Ashford III has been a licensed insurance agent since 2012, licensed in Illinois, Texas, Michigan, Ohio and Iowa. Our products are offered through Family First Life. We write final expense, mortgage protection, term life, indexed universal life and fixed indexed and lifetime income annuities.
We help families, parents, grandparents and retirees protect the people who depend on them — covering the mortgage, final expenses and lost income. Serving clients by phone and online across all licensed states — no office visits required.
Our free tools exist because most people arrive with a vague worry and no numbers. Use them anonymously and never speak to anyone — or, if you want the breakdown, call or text 708-742-7234 to start that conversation.
One agency, one relationship
The Shield Check and the annuity quiz feed into the same conversation, so the agent who calls already knows what you told the tools.
Independent by design
We are not tied to a single insurer. Carriers are compared on your numbers, and the reasons behind each recommendation are written down for you.
No pressure, ever
Protecting your family is important, but it is not a decision to rush on a sales call. You get the comparison, time to read it, and an agent who answers the same question twice without flinching.
Straight answers
The questions people actually ask
No jargon and no dodging. If your question is not here, ask it in the contact form below and a licensed agent will answer it in plain English.
It depends on your income, debts, savings, dependents and the coverage you already have. That is exactly what the free Shield Check works out — it looks at your whole financial picture and gives you a specific number instead of a rule of thumb.
Contact
Book a call, or just ask a question
Bring your Shield Check results or bring nothing at all. The first conversation is free, there is no obligation to buy, and a licensed agent — not a call centre — answers.
Phone — call or text
708-742-7234Licensed in
Illinois, Texas, Michigan, Ohio and Iowa.
Serving clients by phone and online across all licensed states — no office visits required. By appointment; there is no storefront to visit.
Common questions
No. Initial consultations, the Shield Check and the carrier comparison are all free, and there is no obligation to buy anything. We are paid by the insurance carrier when a policy is issued, which is also why we compare more than one carrier instead of steering you to a single product.