PPolicy Provisions
Policy Provisions

Life insurance,
simplified for the people who matter.

Compare term, whole, IUL and more in minutes. Guided by Darryl Kelly, an independent broker who works for you—not the carriers.

5 min quote
Top-rated carriers
No pressure, ever
Family enjoying time together
Average savings
$1,127/yr

Clients save by comparing 20+ carriers in one place.

Coverage options

Find the policy that fits your life chapter.

Every family is different. Below are the five core types of life insurance Darryl helps clients navigate every day.

01

Term Life

Affordable coverage for a chosen period.

Term life insurance provides a death benefit for a specific number of years, typically 10, 20, or 30. It's the most affordable way to get substantial coverage during the years your family depends on your income.

  • Lowest cost per dollar of coverage
  • Flexible 10–30 year terms
  • Convertible to permanent
Best for

Income replacement during peak earning years

02

Whole Life

Lifelong protection that builds cash value.

Whole life insurance offers permanent coverage with level premiums and a guaranteed cash value component that grows tax-deferred over time.

  • Lifetime coverage
  • Fixed premiums
  • Guaranteed cash value growth
Best for

Estate planning and lifelong protection

03

Index Universal Life (IUL)

Flexible premiums with market-linked growth.

IUL policies provide permanent life insurance with a cash value component tied to a market index (like the S&P 500), offering upside potential with downside protection.

  • Flexible premiums
  • Tax-advantaged growth
  • Market-linked, downside protected
Best for

Long-term wealth accumulation with protection

04

Final Expense

Cover end-of-life costs with ease.

Smaller whole life policies designed to cover funeral expenses, medical bills, and remaining debts so your loved ones aren't burdened.

  • Simplified underwriting
  • Coverage $5K–$50K
  • Guaranteed acceptance options
Best for

Seniors planning final arrangements

05

Return of Premium

Outlive your policy? Get your money back.

Return of Premium term life policies refund 100% of the premiums you've paid if you outlive the term, combining protection with a savings element.

  • 100% premium refund if you outlive term
  • Fixed level premiums
  • 20 or 30 year terms
Best for

Those who want coverage with a guaranteed payback

How it works

A clearer path to coverage.

No call centers. No spam. Just one broker, working for you, end to end.

STEP 1

Tell us about you

Answer a short, friendly questionnaire. About 5 minutes—no SSN required to get a quote.

STEP 2

We shop 20+ carriers

Darryl independently compares top-rated insurers to find the strongest fit for your needs and budget.

STEP 3

You decide, we handle the rest

Review options on a call, then we walk you through underwriting and policy delivery start to finish.

Darryl Kelly - Life Insurance Broker
12+
Years guiding families
Meet your broker

I'm Darryl Kelly, and I'll walk with you.

Life insurance shouldn't feel like a sales call. I founded Policy Provisions to give families honest guidance—comparing top-rated carriers and translating the fine print into plain English so you can make the right call for the people you love.

Licensed independent broker
Hundreds of families protected
Same-day consultations
Personal, no-pressure service
Frequently asked

Questions, answered honestly.

Ready to protect what matters most?

Get a personalized quote in about 5 minutes or book a free consultation directly with Darryl.

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