The AI Advantage

Most of this industry runs on fax machines. We were built with AI in the walls.

Life insurance is a fifty-year-old buying experience wrapped around one of the best financial products ever made. PLG rebuilt the experience with AI doing what machines do best — speed, matching, memory — so licensed humans can do what only humans should: advise your family.

The problem we're built for

Half the country is unprotected. The old model can't reach them.

100M+American adults uninsured or underinsured — LIMRA, 2025
51%of adults own any life insurance — roughly half the country exposed
10–12×how much adults under 30 overestimate the real cost of coverage — LIMRA
~1 in 5insurers have AI fully integrated in daily workflows — the industry is still catching up

A hundred million people aren't uninsured because they don't care — they're uninsured because the process was slow, opaque, and priced in their imagination at ten times reality. Speed and clarity close that gap. That's an AI problem, and we built for it.

What our AI actually does

Four jobs, done at machine speed

Your file, prepped before the call

The moment you ask for options, our system builds your file — coverage goal, budget, the questions that matter — so the advisor who calls already knows why you reached out. No repeating yourself three times to three departments.

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Carrier matching, done smart

Every carrier treats the same health profile differently. Our tooling matches your age, health, and budget against carrier appetites before the call — so your advisor shows you the three options most likely to say yes, priced to the dollar.

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Underwriting at modern speed

Nearly 6 in 10 life applications now qualify for accelerated underwriting — decisions in hours instead of weeks. We route every eligible application down the fast lane, and most final expense coverage can be in force the same day.

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A memory that never lapses

Annual reviews, draft-date reminders, life-change check-ins — automated so they never get forgotten, delivered by the same human advisor every time. Policies at PLG stay in force because nobody falls through the cracks.

The honest part

We're new. That's not a weakness — it's the design.

PLG launched in 2026, and we'll tell you that before you ask. Here's why it matters: our system is a learning system. Every call, every application, every policy that stays in force teaches it — which carriers say yes fastest, which families need what, which follow-ups keep coverage alive. A fifty-year-old agency's process is finished. Ours compounds. The more the world interacts with PLG, the smarter PLG gets — and every family we serve makes the next family's ten minutes better.

Day 1every interaction starts training the system — nothing is wasted
Every callsharpens carrier matching, prep, and follow-up for the next one
Compoundingcertainty, compounded — it's the slogan because it's the architecture
The line we don't cross

AI does the paperwork. Humans make the call.

What AI handles

  • Speed — your file ready in minutes
  • Matching — the right carriers for your health profile
  • Accuracy — quotes priced to the dollar, every time
  • Memory — reviews and reminders that never slip

What licensed humans handle

  • Every recommendation — a licensed advisor, accountable by name
  • Your questions — answered straight, on a real call
  • The judgment calls — suitability, fit, and "keep what you have" honesty
  • The day it matters — a person your family already knows, at claim time

No policy at PLG is ever recommended by an algorithm. AI makes our advisors faster and better-informed — it never replaces the license, the accountability, or the human on the other end of the line.

Why this industry, why now

The most reliable payout machine in finance

$965Bpaid to American families and policyholders by life insurers in 2024 — ACLI
$22.2Tof life insurance coverage currently in force in the U.S. — a record
$180Bin U.S. life premium written in 2024 — and growing
$9.3Tin assets held by U.S. life insurers backing every promise

This is not 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. That's where we come in.

Where this engine is pointed

The same AI, aimed at wealth. 2030.

Here's the part most agencies would keep quiet: protection is chapter one. The stack we're building — machine speed, carrier-grade data discipline, and a licensed human on every decision — is the exact architecture wealth management should have had all along. By 2030, Pence becomes a wealth firm, and the families we protect first will be the portfolios we steward next.

2026Protect — one-call coverage, published standards, trust earned family by family
2028Expand — licensed coast to coast, thousands of reps of real conversations about real money
2030Wealth — AI-powered planning with the same rule: machines prep, licensed humans advise
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The founding client waitlist

When the wealth side opens, the first seats go to the people who were here before it existed. Join the waitlist and you'll get first access at launch — and a front-row view of the buildout between now and then. No cost, no obligation, no spam.

Joining the waitlist is an expression of interest only — it does not create a client or advisory relationship. Investment advisory services are part of Pence's future roadmap and are not currently offered.

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Full disclosure, since we're big on that

Yes — this very website was designed, written, and shipped with AI, in about a day. The industry took fifty years to modernize its paperwork; we took a weekend. Our advisors, however, remain stubbornly, thoroughly human — and they'd love to prove it on a ten-minute call.

Machine speed. Human advice.

See what the modern version of this feels like.

Ten minutes. Three options. A licensed human. Zero pressure.

Book my call