Protect what you’ve built. Build what comes next.
Opulent Life Financial is an independent life insurance agency helping business owners, truckers, high earners and families protect their income and build lasting wealth. Because you work with one dedicated agent and thirty leading carriers, you get coverage matched to what you actually need.
Phone lines open 24 hours · Licensed agents for all 50 states
Finding you the coverage you need for the price you deserve.
Protection for every stage of life.
From wealth-building permanent insurance to simple term and final expense coverage, your agent matches you with the right product. In other words, you never have to fit yourself to a product.
Wealth Building (IUL)
Permanent life insurance pairs lifelong protection with a cash value component, so you can also pursue long-term growth potential.
Learn moreTerm Life Insurance
Term life protects you for a set number of years, so it is a common choice for replacing income, covering a mortgage or protecting a growing family.
Learn moreWhole Life Insurance
Whole life lasts your entire life, and its level premiums and growing cash value make planning simple.
Learn moreFinal Expense Insurance
These smaller whole life policies help your family cover funeral costs, so loved ones do not carry that burden alone.
Learn moreAnnuities
Annuities help turn your savings into a stream of income, so you can plan for the retirement years ahead.
Learn moreVeteran Life Insurance
Veterans can apply for whole life and final expense options, and we have no affiliation with the VA or any government agency.
Learn moreLife insurance that does more than pay a claim.
Indexed universal life (IUL) is permanent life insurance that pairs a death benefit with a cash value component. Cash value may grow based in part on the performance of a market index, and a floor protects against index losses. Moreover, you can access it through policy loans and withdrawals during your lifetime.
When a policy is designed well, it can become one part of a broader plan for protection, supplemental retirement income and the legacy you leave behind.
Explore Wealth Building- Lifelong protectionA death benefit can provide for your family when it matters most.
- Cash value growth potentialAn index links to growth in part, although caps and policy charges apply.
- Flexible accessYou may use policy loans and withdrawals to supplement income or fund opportunities.
- A legacy that lastsTherefore, you can help pass wealth to the people you choose.
Indexed universal life insurance is not an investment in the stock market or in any index, so it is not a security. Cash value growth is not guaranteed because caps, participation rates, fees and policy charges apply. Loans and withdrawals reduce the death benefit and cash value, and they may therefore cause the policy to lapse or create a tax liability. Therefore, speak with a qualified tax professional about your situation.
Built around the way you earn and live.
Different lives call for different coverage, so we work with the people below every day.
Business Owners
Business owners protect their company, partners and family with key person coverage, and they also build value outside the business.
Learn moreTruckers
We build coverage around life on the road, so owner-operators and company drivers can both find a fit.
Learn moreHigh Earners
Higher incomes call for stronger protection, and supplemental wealth strategies can build on traditional retirement accounts.
Learn moreFamilies
Families need protection that keeps the household secure, so we cover everything from income replacement to legacy planning.
Learn moreVeterans
Veterans and their families can apply for whole life and final expense coverage, and carrier underwriting reviews each application.
Learn moreSimple, personal and handled by phone.
Tell us what you need
Call us any time, or request a quote online. Then, share your goals, your family situation and what you want your coverage to do.
Compare your options
Next, your dedicated agent compares coverage across our network of 30 leading carriers to find the options that fit.
Get covered with confidence
Finally, your agent guides you through the application and stays with you from start to finish.
A network of 30 leading carriers.
Because we are independent, we are free to recommend the carrier and product that fit you.
AflacAetnaMutual of OmahaAmerican AmicableAmericoEthosCorebridgeF&G Annuities & Lifeand many more
Carriers and products vary by state, so availability and underwriting apply. In addition, carrier names are trademarks of their respective owners.
Answers before you call.
What is wealth-building life insurance?
It generally means permanent life insurance, such as indexed universal life (IUL) or whole life, that builds cash value in addition to providing a death benefit. However, whether it fits depends on your goals, budget, health and timeline. Therefore, your agent walks through the options with you so you can decide.
Do you work for one insurance company?
No. Opulent Life Financial is an independent agency that works with 30 leading carriers. As a result, we compare options across carriers instead of offering the products of a single company.
Do I need to visit an office?
No. Instead, we work with clients by phone, nationwide. In addition, our phone line is open 24 hours, so you can call whenever it suits you. Otherwise, you can request a quote online at any time.
Who will I work with?
We pair each client with one dedicated licensed agent, and that agent stays with you from start to finish. As a result, you never get passed between departments.
Can you help me if I live outside Illinois?
Yes. We have licensed agents on staff for all 50 states, so we can help you wherever you live.
Does requesting a quote cost anything?
No. Requesting a quote is free, and it does not obligate you to buy a policy.
Ready to find the coverage you need?
Speak with a licensed agent by phone, or request your free quote online. Either way, you choose whichever is easiest for you.