Licensed Advisors · A-Rated Carriers · Expanding to All 50 States

Coverage this certain used to take weeks. Now it takes one call.

PLG matches families across the country with life insurance from A-rated carriers in a single 10-minute phone call. Licensed advisors, three transparent options, zero pressure — and coverage that can start the same day.

10 minaverage call to a clear decision
A-ratedcarriers only — we shop them for you
Same-daycoverage on most final expense plans
$0cost to compare your options
Why Life Insurance

The most reliable payout machine in finance

This isn't a startup promise — it's a 180-year-old system that paid out nearly a trillion dollars last year alone. What's new is how you access it.

$965B
paid to American families by life insurers in 2024 — ACLI
$22.2T
of coverage currently in force in the U.S. — a record
$180B
in U.S. life premium written in 2024 — and growing
$9.3T
in assets held by U.S. life insurers backing every promise
The Difference

The old way vs. the Pence way

The Old Way
  • Three appointments and a kitchen-table pitch
  • One company's products, pushed hard
  • An agent who vanishes after the sale
  • Pressure until you sign
The Pence Way
  • One 10-minute phone call
  • Multiple A-rated carriers, compared live
  • Annual reviews and one saved number that answers
  • Three options, your pick, zero pressure
Coverage

Protection for every stage

Because we represent multiple A-rated carriers, we work for the family on the call — not for one insurance company.

Most Requested
Final Expense

Funeral costs and final bills handled — no medical exam for most, price locked for life. Ages 50–85.

Homeowners
Mortgage Protection

If something happens to you, the house stays in the family.

Families
Term Life

Maximum coverage per dollar while the kids are home and the bills are big.

Permanent
Whole Life

Lifetime coverage building guaranteed cash value.

Build & Protect
Indexed Universal Life

Protection plus tax-advantaged growth potential — offered only where it genuinely fits.

Retirement
Annuities

Turn savings into protected income you can't outlive.

Explore all coverage →

How It Works

Three steps. About a week, start to covered.

01
Book your call
Pick a time that works — two minutes on the calendar, that's it.
02
See your exact options
A licensed advisor runs your age and health across our carriers live and shows you three plans priced to the dollar.
03
Get covered
Approve on the call — most final expense policies issue within days, some the same day. Your advisor stays your contact for life.
Straight Answers

The questions everyone asks

Is this a sales call?

It's a comparison call. A licensed advisor runs your age and health across multiple A-rated carriers and shows you three real options priced to the dollar. If none of them beat what you have — or you simply pass — the call ends politely and your phone doesn't blow up afterward.

I already have coverage. Why bother?

Bring it to the call. If your policy is solid, we'll tell you so and put it in writing — that's a published standard here. Work coverage is the one worth double-checking: it usually ends the day the job does.

Why phone instead of someone coming to my house?

Speed and honesty. On the phone we compare carriers live on screen, you decide at your own kitchen table without a stranger sitting at it, and coverage can be in force the same day instead of after three appointments.

How does PLG get paid?

By the insurance carriers, when a policy is placed. Comparing options costs you nothing, and because we represent many carriers instead of one, our incentive is fit — a policy that fits stays in force, and that's the number we measure our advisors on.

What if my health isn't perfect?

Different carriers treat the same condition very differently — that's precisely why independent agencies exist. Diabetes, blood pressure, heart history: there's usually a carrier that takes it well, and finding that carrier is the job.

Under the Hood

An agency building its own software.

Behind the calls, PLG is building its own software in-house — purpose-built for one job: coverage that starts, stays. Our standards are in writing, and every policy is watched through its first thirteen months. Most agencies are as good on day one as they'll ever be. We built PLG to get better every week.

See how we work →

Ready When You Are

Ten minutes today can protect your family for decades.

Licensed advisors · Multiple A-rated carriers · By phone or video, on your schedule