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Independent Life Insurance Agent · CA · GA · TX

Protect your home and the people you love, without the pressure.

I'm Elizabeth Tawasha. I specialize in mortgage protection life insurance, comparing trusted carriers like Mutual of Omaha, Americo, and Transamerica to find the right coverage for your family, not the right commission for me. Clear answers, honest advice, zero pressure.

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Free 15-minute call · No obligation · Zero pressure

  • Mortgage protection specialist
  • 6 top carriers compared
  • Licensed in CA, GA & TX
  • NPN 20354019
Elizabeth Tawasha, Licensed Life Insurance Agent

Elizabeth Tawasha

Licensed Insurance Agent · NPN 20354019

Comparing trusted carriers, including

When carriers compete, you win.

You're not limited to a single carrier or a one-size-fits-all solution. I do the heavy lifting across 6 trusted carriers so you get the best fit at the best rate.

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trusted carriers compared
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states licensed: CA, GA, TX
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coverage solutions quoted
$0
cost to you, ever

Simple by design

How does working with an independent agent work?

No jargon, no pressure, no obligation. Three steps from curious to covered.

STEP 01

Tell me about your family

A two-minute application or a quick call. I learn what you're protecting and what you can comfortably budget.

STEP 02

I shop 6 trusted carriers

I compare rates and underwriting across top-rated companies and bring you the best two or three fits, explained in plain English.

STEP 03

You choose. I handle the rest.

Application, underwriting, follow-ups: done for you. And I stay your advocate for the life of the policy, not just the sale.

Coverage options

Let's talk options.

5 ways to protect what matters, starting with your mortgage. Tap any option to see exactly how it works.

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Term Life Insurance

Big protection. Small premium.

Term life insurance covers you for a fixed period, usually 10, 20, or 30 years, at a locked-in monthly rate. If you pass away during the term, your loved ones receive a tax-free lump sum to replace income, pay off the mortgage, or fund college.

Best for: Young families, homeowners with a mortgage, and anyone who needs maximum coverage for the lowest cost.

Common questions

How much does term life insurance cost?
A healthy 35-year-old can often get $500,000 of 20-year term coverage for under $30/month. Your exact rate depends on age, health, and coverage amount. That's why I compare quotes across multiple carriers instead of quoting just one.
What happens when my term ends?
Most policies let you renew annually (at higher rates) or convert to permanent coverage without a new medical exam. We'll plan your term length so it ends when your obligations do.
Do I need a medical exam for term life insurance?
Not always. Many carriers now offer no-exam term policies at competitive rates for qualified applicants. I'll tell you upfront which options skip the exam.
How much term life insurance do I need?
A common rule of thumb is 10 to 12 times your annual income, plus your mortgage balance and future costs like college. The right number is personal, which is why my quote process starts with your actual obligations, not a generic multiplier.
Is term life insurance better than whole life?
Neither is better; they do different jobs. Term gives you the most coverage per dollar for a set window of years. Whole life costs more but never expires and builds cash value. Many families use term for the big temporary needs and a smaller permanent policy for final expenses.

Term Life Insurance

Not sure if it is the right fit?

Book a free 15-minute call. I will compare your options across 6 trusted carriers and give you straight answers. No forms, no pressure.

Book a Free Call

Prefer to talk now? Call or text (555) 010-2035

Whole Life Insurance

Coverage that never expires.

Whole life insurance protects you for your entire life with fixed premiums, a guaranteed death benefit, and cash value that grows tax-deferred. It's the foundation of many estate and legacy plans.

Best for: People who want permanent protection, guaranteed cash value growth, or a tax-efficient way to leave a legacy.

Common questions

Is whole life insurance worth it?
It depends on the job you need it to do. For permanent needs like final expenses, estate planning, and guaranteed legacy, whole life is often the right tool. For temporary income replacement, term is usually cheaper. I'll show you both side by side.
Can I borrow against whole life insurance?
Yes. Your policy's cash value can be borrowed against, typically tax-free, for any purpose, without credit checks or fixed repayment schedules.
How does cash value grow in whole life insurance?
Part of each premium goes into a cash value account that grows at a guaranteed rate, tax-deferred. Many carriers also pay non-guaranteed dividends on top. Growth is slow in early years and compounds meaningfully over time.
Do whole life insurance premiums ever increase?
No. With traditional whole life, your premium is locked in on day one and never rises, regardless of age or health changes. That predictability is one of its biggest advantages.
Can I own both term and whole life insurance?
Yes, and it is often the smartest structure: a larger term policy to cover income replacement and the mortgage years, plus a smaller whole life policy for permanent needs like final expenses and legacy.

Whole Life Insurance

Not sure if it is the right fit?

Book a free 15-minute call. I will compare your options across 6 trusted carriers and give you straight answers. No forms, no pressure.

Book a Free Call

Prefer to talk now? Call or text (555) 010-2035

Indexed Universal Life (IUL)

Protection plus tax-advantaged growth.

An IUL combines a permanent death benefit with cash value that earns interest based on a market index like the S&P 500, with a floor that protects you from losses in down years. Many families use IULs for tax-advantaged retirement income.

Best for: Higher earners seeking tax-advantaged growth, business owners, and families planning supplemental retirement income.

Common questions

How does an IUL make money?
Your cash value earns interest credited from an index's performance, subject to a cap and a floor (often 0%). You participate in gains without direct market losses. Structure matters enormously: an IUL built for growth looks very different from one built for cheap insurance.
Can I lose money in an IUL?
Your credited interest can't go negative in most designs, but fees and cost of insurance still apply, so a poorly funded IUL can lose value. This is why proper design and funding matter, and why I walk you through a full illustration before you commit.
Is an IUL a good way to save for retirement?
For the right person, yes. A properly funded IUL can provide tax-advantaged supplemental retirement income through policy loans, with no market losses credited to your account. It works best for higher earners who have maxed other tax-advantaged options and can fund it consistently.
What is the difference between an IUL and a 401(k)?
A 401(k) is a pre-tax retirement account invested directly in markets; an IUL is life insurance with cash value tied to an index, a 0% floor, and tax-free access through loans. They complement each other; an IUL is not a replacement for employer matching.
What happens if I stop paying my IUL premiums?
The policy draws its monthly costs from your cash value. With enough cash value it can sustain itself for a while; with too little, it can lapse. This is why funding design matters and why I review policies annually with clients.

Indexed Universal Life

Not sure if it is the right fit?

Book a free 15-minute call. I will compare your options across 6 trusted carriers and give you straight answers. No forms, no pressure.

Book a Free Call

Prefer to talk now? Call or text (555) 010-2035

Final Expense Insurance

One less burden for the people you love.

Final expense (burial) insurance is a small whole life policy, typically $5,000 to $50,000, designed to cover funeral costs, medical bills, and small debts. Approval is simple, often with no medical exam, and premiums never increase.

Best for: Seniors and anyone who wants to guarantee their final costs are covered without burdening family.

Common questions

Can I get final expense insurance with health problems?
Usually, yes. Most final expense policies use simplified underwriting: a few health questions, no exam. Even with serious conditions, guaranteed-issue options exist. I'll find the strongest option your health qualifies for.
How much does a funeral cost?
The median U.S. funeral with burial runs roughly $8,000-$10,000 before cemetery costs. A final expense policy sized to your wishes means your family never has to come up with that money in a week.
How much does final expense insurance cost per month?
Most clients pay between 30 and 90 dollars per month depending on age, health, gender, and coverage amount. Because I compare multiple final expense carriers, the same coverage can vary by 30 percent or more between companies.
Is there a waiting period for final expense insurance?
If you qualify for level coverage, protection starts on day one. Guaranteed-issue policies with no health questions usually have a two to three year graded period. I always try to qualify you for day-one coverage first.
What is the difference between final expense and regular life insurance?
Final expense is a small whole life policy, usually 5,000 to 50,000 dollars, with simplified approval and no expiration. It is designed to cover funeral and end-of-life costs rather than replace decades of income.

Final Expense Insurance

Not sure if it is the right fit?

Book a free 15-minute call. I will compare your options across 6 trusted carriers and give you straight answers. No forms, no pressure.

Book a Free Call

Prefer to talk now? Call or text (555) 010-2035

Mortgage Protection

Keep your family in their home. No matter what.

Mortgage protection insurance is life insurance sized and timed to your mortgage. If you pass away, and with many policies if you become disabled or critically ill, the benefit pays your family so the house stays theirs.

Best for: New homeowners, refinancers, and single-income households where the mortgage depends on one paycheck.

Common questions

Is mortgage protection different from the insurance my lender offers?
Yes, and the difference matters: lender-offered coverage typically pays the bank directly and shrinks as your balance drops. The coverage I place pays your family, who can use it for the mortgage or anything else, and the benefit doesn't have to decline.
Do I need mortgage protection if I already have term life?
Maybe not. A properly sized term policy can do the same job. I'll look at what you have and tell you honestly if you're already covered. About a third of the people I meet are.
How much mortgage protection insurance do I need?
At minimum, enough to pay off your current mortgage balance. Many families add a cushion for a year of bills so the surviving spouse is not forced into quick decisions. We size it to your actual loan and budget.
Does mortgage protection cover disability or job loss?
Many policies can include living-benefit or disability riders that make payments if you become disabled or critically ill. Job loss coverage is rare. I will show you which riders are available for your situation and what they cost.
How much does mortgage protection insurance cost?
For a healthy applicant it is often comparable to term life, frequently 40 to 100 dollars per month depending on age, health, mortgage size, and riders. Comparing carriers matters most here because pricing varies widely.

Mortgage Protection

Not sure if it is the right fit?

Book a free 15-minute call. I will compare your options across 6 trusted carriers and give you straight answers. No forms, no pressure.

Book a Free Call

Prefer to talk now? Call or text (555) 010-2035

Who you'll be working with

Who is Elizabeth Tawasha?

Portrait of Elizabeth Tawasha

6

top carriers compared

I'm an independent life insurance agent specializing in mortgage protection. I help families, homeowners, and business owners protect their future by comparing multiple top-rated carriers and finding the right fit for each situation, not pushing one company's products. My goal is to make life insurance simple and stress-free, so you can feel confident your loved ones are protected.

I work with trusted carriers including Mutual of Omaha, Americo, Transamerica, SBLI, Banner Life, and United Home Life. Proudly serving families across California, Georgia, and Texas.

Licenses & qualifications

  • Licensed in: California, Georgia, Texas
  • National Producer Number: 20354019
  • Mortgage protection specialist
  • Access to 6 top-rated carriers

Why clients choose me

  • I shop multiple carriers to find your best fit
  • Straightforward advice with no pressure
  • Fast quotes and a simple, guided process
  • Support for the life of your policy

What clients are saying

What are clients saying?

Real families I have helped protect what matters most.

“She compared several companies for me and never once pushed. I finally understand my policy and I am paying less than before.”

Maria S.

Mortgage protection client

“Straightforward, patient, and honest. She told me I did not need one of the products I asked about. That is when I knew I could trust her.”

David R.

Term life client

“Quick, easy, and zero pressure. The whole thing was one short call and my family is covered. I have already referred two friends.”

Angela T.

Final expense client

Zero pressure. Ever.

Book a Free Consultation

Pick a time that works for you. Ask questions, compare options, get straight answers. If I'm not the right fit, I'll tell you and point you in the right direction anyway.

Free 15-minute call

Grab a time that works for you

Pick any open slot below. It is a free, no-obligation consultation, by phone or on Zoom.

Prefer to talk right now? Call or text (555) 010-2035

Good questions

Frequently asked questions

Pick a topic. Straight answers, no jargon.

Does it cost anything to work with an independent agent?
No. My compensation comes from the insurance carrier you choose, and it doesn't change your premium. You pay the same price working with me as you would going direct. The difference is I compare 6 trusted carriers for you instead of one.
How fast can I get covered?
Some no-exam policies can be approved in days, occasionally the same day. Fully underwritten policies typically take 2 to 6 weeks. On our first call I can tell you which path fits your situation and timeline.
Do I have to take a medical exam?
Not always. Many carriers offer accelerated underwriting with no exam for qualified applicants. If an exam does apply, it's free, quick, and can be done at your home.
What if I already have life insurance through work?
Group coverage is a great start, but it usually ends when the job does and is rarely enough, since most policies cap at 1 to 2 times your salary. A personal policy stays with you regardless of where you work. I'll review what you have for free and tell you honestly if you're already set.
Which areas do you serve?
I work with families across California, Georgia, and Texas. Most consultations happen right over the phone or Zoom.
How much does term life insurance cost?
A healthy 35-year-old can often get $500,000 of 20-year term coverage for under $30/month. Your exact rate depends on age, health, and coverage amount. That's why I compare quotes across multiple carriers instead of quoting just one.
What happens when my term ends?
Most policies let you renew annually (at higher rates) or convert to permanent coverage without a new medical exam. We'll plan your term length so it ends when your obligations do.
Do I need a medical exam for term life insurance?
Not always. Many carriers now offer no-exam term policies at competitive rates for qualified applicants. I'll tell you upfront which options skip the exam.
How much term life insurance do I need?
A common rule of thumb is 10 to 12 times your annual income, plus your mortgage balance and future costs like college. The right number is personal, which is why my quote process starts with your actual obligations, not a generic multiplier.
Is term life insurance better than whole life?
Neither is better; they do different jobs. Term gives you the most coverage per dollar for a set window of years. Whole life costs more but never expires and builds cash value. Many families use term for the big temporary needs and a smaller permanent policy for final expenses.
Is whole life insurance worth it?
It depends on the job you need it to do. For permanent needs like final expenses, estate planning, and guaranteed legacy, whole life is often the right tool. For temporary income replacement, term is usually cheaper. I'll show you both side by side.
Can I borrow against whole life insurance?
Yes. Your policy's cash value can be borrowed against, typically tax-free, for any purpose, without credit checks or fixed repayment schedules.
How does cash value grow in whole life insurance?
Part of each premium goes into a cash value account that grows at a guaranteed rate, tax-deferred. Many carriers also pay non-guaranteed dividends on top. Growth is slow in early years and compounds meaningfully over time.
Do whole life insurance premiums ever increase?
No. With traditional whole life, your premium is locked in on day one and never rises, regardless of age or health changes. That predictability is one of its biggest advantages.
Can I own both term and whole life insurance?
Yes, and it is often the smartest structure: a larger term policy to cover income replacement and the mortgage years, plus a smaller whole life policy for permanent needs like final expenses and legacy.
How does an IUL make money?
Your cash value earns interest credited from an index's performance, subject to a cap and a floor (often 0%). You participate in gains without direct market losses. Structure matters enormously: an IUL built for growth looks very different from one built for cheap insurance.
Can I lose money in an IUL?
Your credited interest can't go negative in most designs, but fees and cost of insurance still apply, so a poorly funded IUL can lose value. This is why proper design and funding matter, and why I walk you through a full illustration before you commit.
Is an IUL a good way to save for retirement?
For the right person, yes. A properly funded IUL can provide tax-advantaged supplemental retirement income through policy loans, with no market losses credited to your account. It works best for higher earners who have maxed other tax-advantaged options and can fund it consistently.
What is the difference between an IUL and a 401(k)?
A 401(k) is a pre-tax retirement account invested directly in markets; an IUL is life insurance with cash value tied to an index, a 0% floor, and tax-free access through loans. They complement each other; an IUL is not a replacement for employer matching.
What happens if I stop paying my IUL premiums?
The policy draws its monthly costs from your cash value. With enough cash value it can sustain itself for a while; with too little, it can lapse. This is why funding design matters and why I review policies annually with clients.
Can I get final expense insurance with health problems?
Usually, yes. Most final expense policies use simplified underwriting: a few health questions, no exam. Even with serious conditions, guaranteed-issue options exist. I'll find the strongest option your health qualifies for.
How much does a funeral cost?
The median U.S. funeral with burial runs roughly $8,000-$10,000 before cemetery costs. A final expense policy sized to your wishes means your family never has to come up with that money in a week.
How much does final expense insurance cost per month?
Most clients pay between 30 and 90 dollars per month depending on age, health, gender, and coverage amount. Because I compare multiple final expense carriers, the same coverage can vary by 30 percent or more between companies.
Is there a waiting period for final expense insurance?
If you qualify for level coverage, protection starts on day one. Guaranteed-issue policies with no health questions usually have a two to three year graded period. I always try to qualify you for day-one coverage first.
What is the difference between final expense and regular life insurance?
Final expense is a small whole life policy, usually 5,000 to 50,000 dollars, with simplified approval and no expiration. It is designed to cover funeral and end-of-life costs rather than replace decades of income.
Is mortgage protection different from the insurance my lender offers?
Yes, and the difference matters: lender-offered coverage typically pays the bank directly and shrinks as your balance drops. The coverage I place pays your family, who can use it for the mortgage or anything else, and the benefit doesn't have to decline.
Do I need mortgage protection if I already have term life?
Maybe not. A properly sized term policy can do the same job. I'll look at what you have and tell you honestly if you're already covered. About a third of the people I meet are.
How much mortgage protection insurance do I need?
At minimum, enough to pay off your current mortgage balance. Many families add a cushion for a year of bills so the surviving spouse is not forced into quick decisions. We size it to your actual loan and budget.
Does mortgage protection cover disability or job loss?
Many policies can include living-benefit or disability riders that make payments if you become disabled or critically ill. Job loss coverage is rare. I will show you which riders are available for your situation and what they cost.
How much does mortgage protection insurance cost?
For a healthy applicant it is often comparable to term life, frequently 40 to 100 dollars per month depending on age, health, mortgage size, and riders. Comparing carriers matters most here because pricing varies widely.

Didn't find your answer? Book a free call or call/text (555) 010-2035 and ask me directly.

Ready to protect what matters most?

Book a free call and get straight answers. No forms, no pressure, no obligation.

Book a Free Call Book a Free Consultation
  • Free 15-minute call
  • 6 carriers compared for you
  • $0 cost to work with me

Prefer to talk? Call or text (555) 010-2035