Life Insurance Services by Nicole Irwin

Life Insurance Services

Covering you and your family for all aspects of life.

About Nicole

When it comes to protecting your family, life insurance isn’t one-size-fits-all. That’s why I work with multiple carriers — so you’re not stuck with just one option.

My goal is to explain the differences in plain English, help you determine what fits your needs, and ensure you’re not paying for things you don’t actually want.

Here are the main ways I can help:

Life Insurance Services by Nicole Irwin

Mortgage Protection

Your house is usually your biggest asset — and your biggest monthly bill. Mortgage protection insurance makes sure your family doesn’t lose the home if something happens to you. Most policies are designed so that:

• If you pass away, the mortgage is covered in full.

• If you outlive the policy, many terms refund the premiums you paid.

Think of it as peace of mind that your family can stay in their home, no matter what.

Final Expense

Nobody wants to leave their family with funeral bills or last-minute costs. Final expense insurance is built to take care of that. Policies are affordable, the price never increases, and coverage lasts for life. These plans are designed so your loved ones don’t have to worry about paying for funeral services, medical bills, or other end-of-life expenses.

Indexed Universal Life (IUL)

IUL policies combine life insurance protection with a savings component that can grow over time. You can access the cash value through loans or withdrawals while keeping the tax advantages of the policy. Just know that if a loan isn’t paid back, it reduces the death benefit.

People often use IULs as a flexible way to:

• Build long-term savings.

• Supplement retirement income.

• Still have protection for their family.

Fixed Indexed Annuities (FIAs)

FIAs are a type of annuity that credits interest based on changes in an index (like the S&P 500). They’re designed to give you growth potential without risking your principal to market downturns. The exact rate and frequency of credits depend on the contract, but the appeal is simple: some growth + protection = steadier retirement income.

Why Work With Me?

Lots of agents only sell one company’s products — which means you only get that option. I believe you deserve better. I work with several carriers, so we get to compare and choose what truly fits your needs and budget, together. When it's the right time, I hope you choose Life Insurance Services by Nicole Irwin.

👉 Request a Quote Today — no pressure, just clear answers and the chance to explore your options side-by-side.