Insurance guidance for every stage of life
Protect What Matters. Build What Lasts.
From family protection to long-term planning, explore coverage options with guidance from licensed insurance professionals.
Everything you’ve built deserves protection.
- Guidance from licensed agents
- Coverage options tailored to your needs
- Powered by UniTrust Financial Group [approved wording pending]
Coverage options
Life insurance and protection, in plain language.
Mortgage Protection
Life insurance arranged around your mortgage, intended to help your family stay in the home.
May suit: Homeowners whose family relies on their income to keep the home.
Learn More → Life InsuranceTerm Life
Coverage for a set period, often chosen for the years when a family depends most on an income.
May suit: Families who want coverage through their working and child-raising years.
Learn More → Life InsuranceWhole Life
Permanent coverage designed to last a lifetime, with premiums and features defined by the policy.
May suit: People who want lifelong coverage and a benefit to pass on.
Learn More → Life InsuranceFinal Expense
Smaller permanent policies intended to help loved ones with funeral and end-of-life costs.
May suit: People who want to spare loved ones end-of-life costs.
Learn More → Life InsuranceIndexed Universal Life
Permanent coverage with a cash-value component linked to a market index, subject to caps, fees and policy terms.
May suit: People who want permanent coverage with flexible premiums.
Learn More → Retirement & LegacyRetirement Income
Insurance-based options, such as annuities, that some people consider when planning retirement income.
May suit: People nearing retirement who want to understand income options.
Learn More →Product availability varies by state and carrier. All coverage is subject to carrier underwriting and approval; features, premiums, exclusions and riders depend on the specific policy. [Product list pending confirmation of the products DNA is authorized to offer in each state]
Looking for something else? See every coverage option we explain.
How it works
Three clear steps.
Tell us what matters
Share who and what you want to protect. It takes a couple of minutes and needs no health or financial records.
Review your options
A licensed professional walks you through the coverage that may fit, in plain language, with time for every question.
Choose with confidence
If a policy makes sense, we help you apply. The carrier then reviews the application; coverage is subject to underwriting and approval.
Why DNA
A licensed professional on your side.
Independent guidance
We help you look at coverage options side by side, so the choice is built around you. [Confirm independent-agency status and carrier relationships]
Personal attention
You talk to a person who listens first and learns your situation before any product is discussed.
Straightforward comparisons
What each option does, what it does not do, and the trade-offs between them, without jargon.
Support that lasts
Needs change as life changes. We aim to be a team you can come back to as yours evolve.
Start with a short conversation about what you want to protect.
Real-world protection
Where families usually begin.
Every situation is different, and no single product answers every need. These are common starting points.
Young children and a long list of plans
Term life is often where families start: coverage for the years when others depend on your income.
Term life →
The biggest payment you have ever taken on
Mortgage protection is arranged around your loan, intended to help your family stay in the home.
Mortgage protection →
If a serious illness stopped the paycheck
Living benefits are policy features that may give access to part of a benefit after a qualifying illness.
Living benefits →
Retirement, and what you will pass on
Insurance-based options that some people consider for retirement income and for leaving a legacy.
Retirement income →About DNA
A team united by a common purpose.
To help protect what people have built, support what they are building, and preserve what they hope to leave behind.
DNA Life & Legacy is the agency you work with; insurance carriers issue the policies. We operate in affiliation with UniTrust Financial Group. [Approved relationship wording pending]
Common questions
Straight answers.
Is DNA Life & Legacy an insurance company?
No. DNA Life & Legacy is an insurance agency. We help you understand and compare coverage options; the policy itself is issued by the insurance carrier you apply with.
What is the difference between term and whole life insurance?
Term life covers a set period and generally has no cash value. Whole life is designed to last for life and typically builds cash value, with premiums that are generally higher for the same death benefit. Which fits depends on your needs and budget.
Is mortgage protection the same as homeowners insurance or PMI?
No. Homeowners insurance covers the property itself, and private mortgage insurance protects the lender. Mortgage protection is life insurance intended to help your family with the mortgage if you pass away.
Will I be approved for coverage?
Approval is not guaranteed. Every application is reviewed under the insurance carrier’s underwriting rules, which may consider factors such as age and health.
Do I need to share medical or financial records to get started?
No. Our first form only asks what you are interested in, your state and how to reach you. More detail is only discussed later, with a licensed professional, if you choose to continue.
Your next step
Find coverage that fits your life.
Two short steps. No health or financial records needed to start.
Prefer to talk first? Talk to an Agent