Term life
Affordable coverage for the years your family needs it most.
Free consultation · 7 days a week
Help protect your loved ones and retire with no worries.
An independent agent who shoots you straight. Life insurance for your family, and safe, steady annuities for your retirement. Free quotes, no fees, ever.
Your consultation is with Vishal himselfLicensed 26 years · Washtenaw County, Michigan
Protect todayCoverage from about 20 companies
Build tomorrowGrowth with a floor
26
Years licensed~20
Insurance companies compared7
Days a week, 8am to 7pm$0
Fees for your consultationTwo ways I help
Protect today. Build tomorrow.
Whether it's your family's safety net or your retirement savings, you get straight answers and the best options from many companies.
Protect today
Life insurance for your family
So the people you love are looked after, whatever happens. Term, whole life, IUL and final expense.
Explore life insuranceBuild tomorrowAnnuities for a safe retirement
Grow your savings with the market's ups, and a floor that protects you from its drops.
Explore annuitiesLife insurance
The right coverage for your family.
Your price depends on your age, health and how much coverage you need. Vishal compares companies and finds the plan that fits your budget.
Whole life
Lifelong coverage that stays with you.
IUL
Indexed universal life: coverage plus cash value linked to an index.
Final expense
Smaller plans so your family isn't left with the bills.
01Replace your income
If you're gone, the bills don't stop. Coverage keeps your family's life on track.
02Leave something behind
Name your children as beneficiaries, even if they're young.
03Lock in while you're healthy
Price depends on age and health, so sooner usually costs less.
Annuities
Grow your savings without the market worry.
A fixed indexed annuity earns interest linked to the market when it goes up, and has a floor so your money doesn't fall below it when the market drops.
FloorYour principal doesn't go down with the market
GrowthInterest linked to how the market does
$50k+To start, so your emergency fund stays free
Guarantees are backed by the issuing insurance company. Interest rates and caps change with the market and differ by company. Surrender charges may apply if you take money out early.
How a floor worksA simple picture, not real returns
AnnuityMarketYour floor
A 30-minute callFriendly, no pressure to decide on the spot.
How it works
Simple, from first call to coverage.
- 1Book a free call
Pick a time that suits you, any day of the week. Phone or Zoom.
- 2A few easy questions
Your age, your health and what you want: coverage for your family, or a safe place for your savings.
- 3Vishal compares for you
About 20 insurance companies and the best annuity companies. He explains your options in plain words.
- 4You decide, no pressure
Straight answers, then you choose. There are never any fees for his help.
Companies I work with
About 20 insurance companies and 5 to 10 of the best annuity companies, so you see real choices side by side.
Vishal GoelIndependent agent
About Vishal
An agent who's always there, and shoots you straight.
I'm Vishal Goel, an independent insurance professional in Washtenaw County, Michigan. I've been licensed for 26 years, in this business full time for the last 5, and have guided hundreds of people in protecting their loved ones and securing their retirement.
My business is built on relationships, honesty, transparency and personal service. I answer my own phone, evenings, weekends and holidays too. If I'm on another call, you can still book a time right away.
RelationshipsHonestyTransparencyPersonal serviceEvenings & weekends
Protect today. Build tomorrow.
Common questions
Straight answers.
Don't see your question? Call and ask. You'll get a straight answer.
Every day, 8am to 7pm ET(734) 604-8185Do I qualify for life insurance?
It depends on your health. Once Vishal knows a little about your health, he can tell you which companies will cover you and for how much.
How much does it cost?
It depends on your age, your health and the amount of coverage. That's why the consultation and the quote are free: Vishal compares companies and finds a plan that fits your budget.
How much coverage can I get?
That depends on your health too. Once Vishal knows a little about your health, he can tell you how much you qualify for.
What is a fixed indexed annuity?
A way to grow your savings with interest linked to the market, without your money going down when the market drops.
Could I lose my money in an annuity?
Not from the market. A fixed indexed annuity has a floor, so market drops don't take your money below it. Vishal will walk you through the terms, like how long the money stays in.
What interest rate will I get?
It depends on the market and changes every day. Vishal will show you the current rates from several companies.
Can my children be my beneficiaries?
Yes, even if they're young.
Do I pay you anything?
No. The consultation and quotes are free. Vishal is paid by the insurance companies.
Do you do car or home insurance?
No. Vishal focuses on life insurance and annuities.
Free consultation
Tell me a little, then pick a time.
Three quick steps. No cost, no obligation, no pressure.
Free consultation
Tell me a little, then pick a time
Rather talk now?(734) 604-8185
Every day, 8am to 7pm Eastern.
Protect today. Build tomorrow.
One free call. Straight answers.
Life insurance for your family, or a safe home for your retirement savings. No fees, no pressure.