Protecting What Matters Most

Specialized life insurance solutions tailored to your family's unique needs across Nevada and California

Comprehensive Life Insurance Solutions

Personalized coverage options designed to protect your family's financial future

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Indexed Universal Life

Build long-term wealth while protecting your family with flexible coverage and market-growth potential, minus the downside risk.

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Term Life w/ Living Benefits

Affordable protection that supports your family and lets you access funds early if you face an illness or injury

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Juvenile Policies

Secure your child's future with affordable coverage that builds cash value and locks in insurability for life.

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Final Expense Insurance

Ease your family's burden by covering end-of-life expenses with guaranteed, simple protection.

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Whole Life Insurance

Lifetime coverage with locked-in premiums and guaranteed cash value that keeps growing.

"Hi, I'm Andrea. Your Independent life insurance advocate. I help families across Nevada and California get real coverage, with honesty, and zero pressure."

Proudly Serving

Fully licensed and ready to protect families across two great states

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Nevada

Las Vegas • Reno • Henderson

Clear guidance, real options, and support tailored to your family.

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California

Los Angeles • San Diego • Sacramento

Coverage that fits your lifestyle and long-term goals.

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Why Families Choose Me

As an independent agent, I'm not tied to one provider Im tied to you. I compare top-rated carriers to find the best policy for you needs and budget.

  • Client-First Approach

    Your family's security is our top priority.

  • Expert Guidance

    No confusing Jargon. Just honest answers.

  • Personalized Service

    Built around you, not one-size-fits-all.

  • Long-Term Partnership

    I'm here at every stage of life.

Instant Quote Calculator

Estimate monthly premiums in seconds — non-binding and private

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Why use our calculator?

  • Quick estimate for budgeting
  • Non-binding & confidential
  • Recommend personalized quote via consultation

Frequently Asked Questions

Answers to common questions about coverage, applications, and policies

How long does the application process take?

Most basic term applications can be completed in 15–30 minutes; underwriting time varies by product and medical requirements.

Can I convert term to permanent coverage?

Many term policies include conversion options. We review available carriers to find the best conversion terms if that flexibility matters to you.

What is Indexed Universal Life (IUL)?

IUL is a permanent policy that can build cash value tied to market indices with downside protection and potential tax-advantaged growth.

Andrea Duncan

Andrea D LLC

Licensed in Nevada & California

© 2025 All rights reserved.