One agent.
Many carriers.
Your call.
I'm Joseph Citrola, an independent life insurance agent with Fastlane Financial. I'm not captive to one company — I'm contracted with carriers like Ethos, Americo, American Amicable, Mutual of Omaha and Corebridge Financial, with 30+ products between them. I shop them against each other and bring back the one that actually fits your family and your budget.
Contracted with carriers like
Six ways to cover the people who count on you
Different families need different tools. Here is what each product actually does, in plain English — then we work out which one belongs in your hands.
Term life
The most coverage per dollar, for a set number of years. Built to cover the stretch that matters most — while the kids are home and the paycheck still has to show up.
Whole life
Permanent coverage with a premium that never changes. It stays in force for life and builds guaranteed cash value you can borrow against later.
Indexed universal life (IUL)
Permanent coverage whose cash value growth is linked to a market index, with a floor that protects it from index losses. The flagship for people who want protection and a long-term cash value strategy in one policy.
Final expense
A small whole life policy sized for the funeral, the burial and the last bills. Easy to qualify for, easy to keep, and it settles quietly so nobody has to fundraise.
Mortgage protection
Term coverage sized and structured around the loan, so the house gets paid off instead of sold. Your family keeps their home, their school and their street.
Living benefits riders
Accelerated death benefit riders let you draw on part of your benefit while you are still living, on a qualifying terminal, chronic or critical illness. Availability varies by carrier and product.
Indexed universal life, explained honestly
IUL is permanent life insurance with a cash value component whose growth is tied to the performance of a market index. It is the product people come to me for most when they want protection and a long-term cash value strategy inside the same policy — and it is also the one that gets oversold the hardest, so here is the straight version.
Cash value is credited based on the movement of a market index, through caps and participation rates set by the carrier.
When the index has a down year, the credited rate is zero rather than negative. Policy charges still apply, but index losses are not passed through.
Cash value can generally be accessed through policy loans rather than a taxable withdrawal. Loans and withdrawals reduce the death benefit.
The honest caveat: an IUL is life insurance, not a market investment. You are not invested in the index, credited growth is limited by caps and participation rates the carrier can change, policy charges apply, and performance is not guaranteed. Loans and withdrawals reduce the death benefit. I'll walk the illustration with you line by line — including the columns nobody likes to point at — before you sign anything.
No medical exam on many products. A number of the plans I write are simplified issue — approval comes from a few health questions instead of a nurse and a needle, and some carriers can turn it around the same day. Availability, features and riders vary by carrier and state and are subject to underwriting.
A captive agent sells what they have.
I find what you need.
Most agents you meet work for one company, so every answer they give you starts from the same shelf. I don't. That single difference changes the price, the underwriting and the product you end up with.
One agent. Many carriers.
You should not have to call five companies and sit through five pitches. I run the comparison across the carriers I am contracted with and bring back the short list, with the tradeoffs spelled out.
The right product, not the only product.
A captive agent sells what is on their shelf. I am contracted across carriers like Ethos, Americo, American Amicable, Mutual of Omaha and Corebridge Financial, with 30+ products — so the answer fits your situation instead of my inventory.
Underwriting matched to your history.
Every carrier reads health history differently. Something one carrier rates up, another may take at a better class. Knowing where to send your file is most of the job — and it is a job only an independent agent can do.
No cost to you for the help.
The consultation, the comparison and the application cost you nothing. Carriers pay the agent. You get the shopping, the paperwork and the follow-up either way, with no obligation to buy.
Three steps. No cost to find out.
You should never feel sold to. You should feel like someone finally sat down and explained it.
A free 15-minute call
Phone or video, whenever works. We talk through who depends on you, what would actually have to get paid, and what you can comfortably spend every month. No pitch, no pressure.
I shop the carriers
I take your age, health history and budget to the carriers I am contracted with, then come back with real options side by side and tell you plainly what each one does and does not do.
A simple application
Pick the fit and we apply together. Many products are simplified issue — approval on a few health questions with no medical exam, and some carriers turn it around fast.
Joseph accepting an award for agent performance.
Licensed, independent, and on your side
Almost nobody wakes up wanting to talk about life insurance. But sit with enough families and the same thing comes up over and over: the people who need protection most are usually the ones nobody bothered to explain it to. Closing that gap is the job I took.
I went independent for a simple reason. Working for one company meant every family got the same answer, whether it suited them or not. Now I'm contracted with multiple carriers through Fastlane Financial, the agency I work with, and I can put your file in front of whichever one treats your health history and your budget best. 1,500 families have trusted me with that so far.
- Families protected
- 1,500
- Licensed in
- 28 states
- NPN
- 20686856
Licensed in 28 states
If your family lives in one of these states, I can write your coverage. Product availability and rates vary by state and carrier.
Real families. Real peace of mind.
I'm grateful for every family that lets me help. If I've helped yours, a quick Google review means a lot.
“He came back with three different carriers on one page and walked me through why one of them was better for us. I never felt like I was being sold a single product.”
“I assumed life insurance meant a physical and weeks of paperwork. A few health questions and it was done, at the number I gave him.”
“I wanted permanent coverage that could build cash value, and he explained how the index side actually works — including where it does not. Straight answers, no hype.”
Let's find out what fits.
It costs nothing to ask.
Tell me who depends on you and what you can comfortably spend. I'll shop the carriers and come back with options — in writing, in plain English, with no obligation.