All Services/Life Insurance

Life Insurance

Life Insurance That Puts Your Family First

Affordable coverage options designed to protect the people who matter most — no matter what life brings.

Get a Free Life Insurance Quote View All Services

Life Insurance That Puts Your Family First

Protect your family's future today.

10x

Average income replaced for your family

$0

Medical exam required for many policies

24hrs

Fast approval on many term policies

100%

Tax-free death benefit to your beneficiaries

Why Choose Life Insurance?

Here's how our life insurance solutions protect and grow your financial future.

Income Replacement

Ensure your family can maintain their lifestyle if you're no longer there to provide.

Debt Protection

Cover mortgages, loans, and other debts so your loved ones aren't left with financial burdens.

Legacy Planning

Leave a meaningful financial gift to your children, grandchildren, or a cause you care about.

Affordable Premiums

Term and permanent options to fit every budget, from young families to retirees.

Life Insurance Options

We offer multiple life insurance solutions to match your unique situation and goals.

1

Term Life Insurance

Straightforward, affordable coverage for a set period — ideal for young families and income protection.

2

Whole Life Insurance

Permanent coverage with a cash value component that grows over time, tax-deferred.

3

Universal Life Insurance

Flexible premiums and death benefits that adapt as your life and financial needs evolve.

What Our Clients Say

Real stories from real families who chose to do better.

Celeste made the whole process so easy. We got a term policy that covers our mortgage and my wife felt completely at ease. Best decision we ever made for our family.

J

James R.

Father of three, St. Louis MO

I had no idea how affordable life insurance could be. Do Better Insurance found me a policy with no medical exam and I was approved the same day. Incredible service.

T

Tanya M.

Nurse, Kansas City MO

After losing my brother without coverage, I knew I had to act. The team walked me through every option without pressure. I finally have peace of mind.

D

Derek W.

Small business owner, Springfield IL

Ready to Get Started?

Speak with one of our licensed advisors today — no pressure, no obligation. Just expert guidance tailored to you.

Get a Free Life Insurance Quote

All Services/Retirement Planning

Retirement Planning

Plan Today. Retire Confidently.

Our retirement specialists help you build a personalized roadmap to financial freedom — no matter where you are in your journey.

Start Your Retirement Plan View All Services

Build the retirement you've always imagined.

30+

Years of retirement income planning expertise

0%

Tax on Roth distributions in retirement

2,500+

Retirement plans built for real families

100%

Personalized — no cookie-cutter strategies

Why Choose Retirement Planning?

Here's how our retirement planning solutions protect and grow your financial future.

Guaranteed Income

Create reliable income streams that last as long as you do, regardless of market conditions.

Tax Efficiency

Maximize your retirement savings with tax-advantaged strategies tailored to your situation.

Inflation Protection

Ensure your purchasing power keeps pace with rising costs throughout retirement.

Legacy Preservation

Pass wealth to your heirs efficiently while minimizing estate taxes and probate costs.

Retirement Planning Options

We offer multiple retirement planning solutions to match your unique situation and goals.

1

401(k) & IRA Rollovers

Consolidate and optimize your retirement accounts for better growth and lower fees.

2

Annuity Strategies

Create guaranteed lifetime income to complement Social Security and pension benefits.

3

Social Security Optimization

Maximize your Social Security benefits with smart timing and claiming strategies.

What Our Clients Say

Real stories from real families who chose to do better.

I was 58 and had no real retirement plan. Celeste sat down with me and built a strategy that gave me a clear path to retire at 65 with guaranteed income. Life-changing.

P

Patricia H.

Teacher, Columbia MO

We rolled over our old 401(k)s and had no idea what to do next. Do Better Insurance created a plan that maximizes our Social Security and gives us income we can't outlive.

R

Ron & Linda S.

Retired couple, Naperville IL

The retirement income strategy they built for me is exactly what I needed. I sleep better knowing my money is protected and growing no matter what the market does.

M

Marcus T.

Engineer, St. Charles MO

Ready to Get Started?

Speak with one of our licensed advisors today — no pressure, no obligation. Just expert guidance tailored to you.

Start Your Retirement Plan

All Services/Annuities

Annuities

Income You Can Never Outlive

Annuities offer guaranteed growth and lifetime income — protecting you from market volatility and the risk of outliving your savings.

Explore Annuity Options View All Services

Guaranteed income you can count on.

0%

Market loss risk with indexed annuities

Lifetime

Guaranteed income you can never outlive

Tax-Deferred

Growth until you start withdrawals

100%

Principal protection on fixed annuities

Why Choose Annuities?

Here's how our annuities solutions protect and grow your financial future.

Guaranteed Growth

Your principal is protected and grows at a guaranteed rate, regardless of market performance.

Lifetime Income

Turn your savings into a paycheck that lasts as long as you live — and beyond for your spouse.

Tax-Deferred Growth

Your money grows tax-deferred, allowing for faster accumulation compared to taxable accounts.

Market Protection

Indexed annuities let you participate in market gains while protecting against losses.

Annuities Options

We offer multiple annuities solutions to match your unique situation and goals.

1

Fixed Annuities

Guaranteed interest rates and predictable growth — the safe, steady choice for conservative savers.

2

Fixed Indexed Annuities

Growth linked to a market index with full downside protection — the best of both worlds.

3

Income Annuities (SPIA/DIA)

Convert a lump sum into guaranteed monthly income starting immediately or at a future date.

What Our Clients Say

Real stories from real families who chose to do better.

I was terrified of losing my retirement savings in another market crash. The fixed indexed annuity Celeste recommended gives me growth potential with zero downside. Perfect for me.

C

Carol B.

Retired accountant, St. Louis MO

My annuity now pays me a guaranteed check every month for life. I don't have to worry about outliving my money anymore. Do Better Insurance changed my retirement completely.

F

Frank D.

Retired contractor, Edwardsville IL

The team explained annuities in a way no one else had. I finally understood what I was getting and felt confident in my decision. The income stream has been rock solid.

E

Evelyn M.

Retired office manager, Florissant MO

Ready to Get Started?

Speak with one of our licensed advisors today — no pressure, no obligation. Just expert guidance tailored to you.

Explore Annuity Options

All Services/IUL

IUL

The Power of IUL: Protection Meets Growth

Indexed Universal Life insurance gives you lifelong coverage, tax-free retirement income potential, and downside protection — all in one policy.

Learn More About IUL View All Services

The Power of IUL: Protection Meets Growth

Protection and growth in one powerful policy.

0%

Floor — your cash value never goes negative

Tax-Free

Retirement income via policy loans

Flexible

Premiums that adjust with your life

2-in-1

Protection and growth in one policy

Why Choose IUL?

Here's how our iul solutions protect and grow your financial future.

Tax-Free Retirement Income

Access your cash value through tax-free loans and withdrawals to supplement retirement income.

Market-Linked Growth

Cash value grows based on a stock market index, capturing upside without direct market risk.

Downside Protection

A 0% floor means your cash value never decreases due to market losses.

Flexible Premiums

Adjust your premium payments and death benefit as your financial situation changes over time.

IUL Options

We offer multiple iul solutions to match your unique situation and goals.

1

Accumulation IUL

Designed to maximize cash value growth for tax-advantaged retirement income supplementation.

2

Protection IUL

Optimized for maximum death benefit with lower premiums — ideal for estate planning.

3

Hybrid IUL with LTC Rider

Combines life insurance with long-term care benefits, protecting against two major financial risks.

What Our Clients Say

Real stories from real families who chose to do better.

I was skeptical about IUL at first, but Celeste walked me through exactly how it works. Three years in, my cash value has grown significantly and I have tax-free income waiting for retirement.

K

Kevin L.

Business owner, Clayton MO

The 0% floor was the selling point for me. My cash value has never gone down even when the market dropped. It's the smartest financial move I've made in years.

A

Angela F.

Marketing director, Chicago IL

Do Better Insurance helped me set up an IUL that doubles as my retirement plan. The flexibility to adjust premiums as my income changes has been invaluable.

D

David N.

Sales professional, Creve Coeur MO

Ready to Get Started?

Speak with one of our licensed advisors today — no pressure, no obligation. Just expert guidance tailored to you.

Learn More About IUL

All Services/Final Expense

Final Expense

Protect Your Family From End-of-Life Costs

Affordable, guaranteed whole life coverage that ensures your final expenses never become your family's burden.

Get a Final Expense Quote View All Services

Protect Your Family From End-of-Life Costs

Give your family the gift of peace of mind.

$10K+

Average funeral cost your family won't owe

Guaranteed

Acceptance — no medical exam required

Fixed

Premiums that never increase, ever

45–85

Age range eligible for guaranteed issue

Why Choose Final Expense?

Here's how our final expense solutions protect and grow your financial future.

Guaranteed Acceptance

Most final expense policies require no medical exam and ask only a few health questions — coverage is available at nearly any age or health status.

Covers Funeral Costs

The average funeral costs $10,000–$15,000. A final expense policy ensures your family isn't left scrambling to cover those costs.

Pays Off Remaining Debts

Medical bills, credit cards, and other outstanding debts can be settled so your loved ones start fresh.

Premiums Never Increase

Lock in your rate today. Final expense premiums are fixed for life — they never go up, no matter your age or health.

Final Expense Options

We offer multiple final expense solutions to match your unique situation and goals.

1

Simplified Issue Whole Life

A few health questions, no medical exam. Fast approval and immediate coverage for qualifying applicants.

2

Guaranteed Issue Whole Life

No health questions asked — guaranteed approval for anyone aged 45–85. Ideal for those with serious health conditions.

3

Pre-Need Funeral Insurance

Funds paid directly to a funeral home of your choice, locking in today's prices and relieving your family of all arrangements.

What Our Clients Say

Real stories from real families who chose to do better.

My mother passed without any coverage and the funeral costs nearly broke our family. I got a final expense policy the same week I called. No exam, no hassle. Just peace of mind.

S

Sandra G.

Caregiver, St. Louis MO

I'm 74 with some health issues and thought I couldn't get coverage. Celeste found me a guaranteed issue policy that locks in my rate forever. My kids won't have to worry.

R

Robert E.

Retired, Granite City IL

The process was so simple. A few questions, no doctor visit, and I was covered within days. The premium is fixed and fits perfectly in my budget. I wish I had done this sooner.

D

Dorothy C.

Retired, Ballwin MO

Ready to Get Started?

Speak with one of our licensed advisors today — no pressure, no obligation. Just expert guidance tailored to you.

Get a Final Expense Quote

Life Insurance That Puts Your Family First

Why Choose Life Insurance?

Income Replacement

Debt Protection

Legacy Planning

Affordable Premiums

Life Insurance Options

Term Life Insurance

Whole Life Insurance

Universal Life Insurance

What Our Clients Say

Ready to Get Started?

Plan Today. Retire Confidently.

Why Choose Retirement Planning?

Guaranteed Income

Tax Efficiency

Inflation Protection

Legacy Preservation

Retirement Planning Options

401(k) & IRA Rollovers

Annuity Strategies

Social Security Optimization

What Our Clients Say

Ready to Get Started?

Medicare Made Simple

Why Choose Medicare?

Enrollment Guidance

Plan Comparison

Gap Coverage

Annual Reviews

Medicare Options

Medicare Supplement (Medigap)

Medicare Advantage (Part C)

Medicare Part D

What Our Clients Say

Ready to Get Started?

Income You Can Never Outlive

Why Choose Annuities?

Guaranteed Growth

Lifetime Income

Tax-Deferred Growth

Market Protection

Annuities Options

Fixed Annuities

Fixed Indexed Annuities

Income Annuities (SPIA/DIA)

What Our Clients Say

Ready to Get Started?

The Power of IUL: Protection Meets Growth

Why Choose IUL?

Tax-Free Retirement Income

Market-Linked Growth

Downside Protection

Flexible Premiums

IUL Options

Accumulation IUL

Protection IUL

Hybrid IUL with LTC Rider

What Our Clients Say

Ready to Get Started?

Protect Your Family From End-of-Life Costs

Why Choose Final Expense?

Guaranteed Acceptance

Covers Funeral Costs

Pays Off Remaining Debts

Premiums Never Increase

Final Expense Options

Simplified Issue Whole Life

Guaranteed Issue Whole Life

Pre-Need Funeral Insurance

What Our Clients Say

Ready to Get Started?