Your family deserves a plan if everything changes tomorrow.
Term life insurance is the most straightforward financial decision a young family can make. We help you get the right coverage, from the right carriers, at the right price — in one conversation.
No spam. No obligation. One straightforward conversation.
Your information is never sold or shared. By submitting you agree to be contacted by Studemeyer Risk Advisory & Planning.
Waiting just 7 years costs the average family $14,000+ in unnecessary premiums over a 20-year term. The math always favors moving now.
The younger you are, the simpler this gets.
Term life insurance is priced on your age and health at the time you apply. Every year you wait, the premium goes up. And life has a way of making things more complicated.
- Lock in your lowest lifetime rate while you're young and healthy
- Protect your income so your family can stay in their home and fund their future
- Coverage is guaranteed renewable — a health change can't take it away
- Most families pay less per month than their phone bill for $500,000 in coverage
Simple by design.
We do the heavy lifting — comparing carriers, reading the fine print, and presenting you with one clear recommendation built for your family.
A 15-minute conversation covers everything we need: your income, debts, and goals. No forms, no pressure, no pitch.
We access top-rated carriers — Lincoln, Protective, North American, and more — and present the right fit, not the most profitable option for us.
We walk you through the recommendation clearly. If it makes sense, we guide you through a quick application. Zero obligation otherwise.
If you've thought it, we've heard it.
The most affordable time to buy is right now. A 30-year-old in good health can secure $500,000 in coverage for under $30/month. Waiting means paying more for the same protection.
Group life insurance typically covers 1–2x your salary. Most families need 10–12x income to replace lost earnings. And if you leave your job, that coverage disappears with it.
We're independent, which means we have no incentive to push a specific product. Our process is built around your needs — and we'll tell you clearly if a policy isn't the right fit.
Most young, healthy applicants qualify for accelerated underwriting — no medical exam, no blood draws. We handle the paperwork. Many clients are approved within days.
Independent. Experienced. On your side.
Collin Studemeyer spent nearly a decade working inside the insurance industry before deciding the people he wanted to serve were families — not carriers. He founded Studemeyer Risk Advisory & Planning in Charleston to provide straightforward, conflict-free guidance.
He holds the Certified in Long-Term Care (CLTC) designation and operates as a fully independent broker with access to a wide panel of top-rated carriers.