Protect what matters most! Your Health, Your Income, Your Legacy.
Life Insurance Solutions
When it comes to protecting your family, preparing for the unexpected, and building a lasting legacy, life insurance isn’t just a product—it’s a plan. Andrew Claeys, known by many as “Big Red,” brings heart, honesty, and clarity to every conversation about life insurance. As a licensed Life and Health Insurance Advisor, Andrew offers personalized guidance on a wide range of coverage options including term life, whole life, and indexed universal life (IUL) policies.
Andrew doesn’t sell policies. He provides peace of mind. Through educational, no-pressure consultations, he helps individuals and families across Michiana understand their options, ask the right questions, and feel confident about the protection they’re putting in place. Whether you’re a new parent, nearing retirement, or simply planning ahead—Andrew is here to walk with you every step of the way.
What Life Insurance Can Do for You
Life insurance is more than a safety net. It’s a financial tool that can:
Replace lost income in the event of a death
Cover funeral and burial expenses
Pay off a mortgage or other debts
Fund your children’s education
Provide tax-advantaged growth
Create a living benefit through cash value accumulation (in the case of whole life or IUL)
Support business continuity or estate planning goals
Andrew believes every person should have access to life insurance that fits their goals and budget—not a cookie-cutter solution. That’s why he takes the time to explain every option in plain language and customize a plan that truly works for you.
Explore Your Options
Term Life Insurance
Affordable, straightforward, and designed for protection.
Term life insurance provides coverage for a specific period—typically 10, 20, or 30 years. It’s a popular choice for young families, new homeowners, or anyone looking for maximum protection at a lower cost.
Andrew helps clients choose the right term length and coverage amount based on current needs and future responsibilities. Because term life policies don’t build cash value, they’re ideal for those focused solely on protection, not investment.
Best for:
- Parents with young children
- People with mortgages or debts
- Anyone seeking high coverage on a tight budget
Whole Life Insurance
Lifelong coverage with guaranteed benefits and growing value.
Lifelong coverage with guaranteed benefits and growing value.
Whole life insurance is a permanent policy that not only provides a death benefit but also builds cash value over time. These policies come with fixed premiums, making them reliable and predictable for long-term planning.
Andrew works with clients to help them understand how whole life can be used not just for protection, but as a wealth-building tool, offering tax-deferred growth and potential dividends. He also explains how it can serve as a financial safety net during emergencies.
Best for:
- Families wanting guaranteed lifetime protection
- Individuals looking to leave a legacy
- Clients interested in stable, long-term financial planning
Indexed Universal Life (IUL)
Flexible coverage with market-linked growth potential.
An IUL policy offers permanent life insurance coverage with the ability to accumulate cash value based on the performance of an equity index, like the S&P 500. It’s a powerful option for clients who want more control over how their policy grows.
Andrew takes the time to explain how IULs work, including caps, floors, and crediting strategies—so clients can make informed decisions without feeling overwhelmed. He ensures clients fully understand both the potential and the risks, helping them decide whether this strategy fits their goals.
Best for:
- People seeking tax-advantaged growth
- Clients interested in flexible retirement planning
- Individuals looking for a policy that can adapt to life changes
A Personalized, Pressure-Free Process
Andrew understands that insurance can feel overwhelming. That’s why he’s committed to making it simple, educational, and centered around you. Here’s what the process looks like.
1. Discovery Call
A short, no-pressure conversation to learn about your needs, family, and financial goals.
2. Needs Analysis
Andrew walks you through a basic assessment to determine the right type and amount of coverage.
3. Customized Options
You’ll receive clear, easy-to-understand recommendations that are tailored to your goals—not a generic sales pitch.
4. Application Support
Andrew helps with the paperwork and walks you through the underwriting process from start to finish.
5. Ongoing Service
Life changes, and your insurance should too. Andrew checks in regularly to help you adjust your coverage when needed.
Protect what matters most!
Andrew Claeys leads with compassion, integrity, and a deep belief that everyone deserves to feel protected and understood. His approach to life insurance is grounded in service—not sales. Whether you’re a young couple starting out, a growing family planning for the future, or a retiree thinking about your legacy, Andrew brings clarity, care, and real-world expertise to every conversation. He’s helped hundreds of families secure peace of mind with personalized coverage that fits their needs, goals, and values.
Clients trust Andrew because he listens, explains, and guides—never pressures. From the first conversation to finalizing your plan, you can expect faith-driven leadership, practical knowledge, and a genuine commitment to doing what’s right for you. If you’re ready to explore life insurance with someone who puts people first, schedule a free consultation today and take the first step toward lasting protection for the people you love.
Life Insurance FAQs
What type of life insurance is right for me?
It depends on your stage of life, financial goals, and what you’re trying to protect. Term life is affordable and great for temporary needs, while whole life and IUL policies build cash value and offer lifelong coverage. Andrew takes the time to understand your situation and helps you choose the right fit.
How much life insurance do I need?
A good rule of thumb is 10–15 times your annual income, but every family is different. Andrew will walk you through your current expenses, future plans, and long-term goals to help you find a coverage amount that brings peace of mind.
Is life insurance expensive?
It doesn’t have to be. Term policies can be surprisingly affordable, especially if you’re younger and healthy. Andrew helps you compare options that fit your budget—without sacrificing protection.
What’s the difference between term and whole life insurance?
Term life covers you for a set number of years, while whole life offers lifelong protection and builds cash value over time. Each has pros and cons, and Andrew will help you understand what works best for your goals.
Do I need life insurance if I already have coverage through work?
Employer-provided policies are often limited and may not follow you if you change jobs. Andrew can help you assess your existing benefits and decide whether a personal policy can better protect your family long-term.
Can I get life insurance if I have health issues?
Yes, in many cases you can. There are policy options designed for different health profiles. Andrew works with multiple carriers and can often find solutions—even if you’ve been declined before.
Does life insurance only benefit my family after I pass away?
Not always. Permanent policies like whole life or IUL can build cash value that you can borrow from or use while you’re still living. Andrew will help you explore how life insurance can be part of a smart, long-term financial plan.
How often should I review my life insurance policy?
Life changes so should your coverage. Major milestones like marriage, having a child, or buying a home are great times to check in. Andrew is always available for policy reviews to make sure your plan keeps up with your life.