Mortgage protection
If something happens to you, this pays down or covers the mortgage so your family keeps the house, no scramble, no forced sale, no moving the kids.
Keep the home
Independent life insurance brokerage
Protect the people who depend on you.
We help homeowners and families cover the mortgage, replace lost income, and handle final expenses, comparing top-rated carriers to find the policy that truly fits, not the first quote.
4.98 ★ · trusted by families we’ve helped
No cost to compare
No-exam options available
Real licensed agents
Thank you, we’ll be in touch
A licensed Alchemy Financial agent will call you shortly with your free quote.
★★★★★Rated 4.98 by families we’ve helped
Licensed & independent
We compare top-rated carriers
A few of the top-rated carriers we shop
What we cover
Three ways to keep life steady
Different families need different protection. We start with what matters most to yours.
Not sure where to start? Tap what matters most, we’ll point you to the right fit.
Income protection
Coverage sized to replace your paycheck, so the people who count on your income can keep their footing, rent, groceries, school, the everyday.
Replace the paycheck
Final expenses
Smaller, affordable coverage that takes care of funeral and end-of-life costs, so grief is never made heavier by an unexpected bill.
Ease the goodbye
How it works
Covered in three honest steps
No call-center runaround. A real conversation, real options, and someone who stays with you after you sign.
01
Tell us about your situation
A quick conversation about your family, your home, and your budget, in plain language, with no pressure.
02
We compare carriers
Because we’re independent, we shop multiple top-rated carriers and bring you the options that actually fit your life.
03
You get covered
We handle the paperwork, walk you through the details, and stay reachable long after the policy is in place.
Why families choose us
An advocate, not a salesperson
Independent, never captive
We don’t work for one insurer. We work for you, and shop the whole market on your behalf.
Plain language, no fine-print games
You’ll understand exactly what you’re buying, what it costs, and why it’s the right fit.
People, not portals
A real licensed agent you can call by name, before, during, and long after you’re covered.
★★★★★
“They didn’t sell me a policy. They asked about my kids and my mortgage, then found coverage that fit our budget.”Kenneth, Arizona
★★★★★
“I had been putting off getting final expense insurance for years. Michael answered all of my questions, never rushed me, and found a policy that gave me confidence my family will be taken care of when the time comes.”Mary, Florida
★★★★★
“Simple, honest, and fast. I finally understand what we’re covered for and why.”Kyle, Alabama
MEET YOUR TEAM
Micheal Smith
Licensed in 50 statesGreat coverage starts with a great conversation. Our agents bring years of experience and a genuine commitment to finding what’s right for you, not what’s easiest to sell. Because protecting the people you love deserves more than a quick quote. It deserves care.
“We treat every family’s coverage like it’s our own.”
Good questions
Answers before you ask
Do I need a medical exam?
Often not. Many of the carriers we work with offer no-exam and simplified-issue plans, especially for mortgage protection and final expenses. Whether you qualify depends on your age and the coverage amount, we’ll tell you up front.
How much does coverage cost?
It depends on your age, health, and how much protection you need. Because we’re independent, we compare multiple carriers to find you a competitive rate, and comparing is always free.
What’s the difference between the three types?
Mortgage protection keeps your family in the home. Income protection replaces the paycheck others rely on. Final expense coverage handles funeral and end-of-life costs. Many families combine two, we’ll help you decide what fits.
Are you really independent?
Yes. We’re a brokerage, not a single insurer’s sales arm. That means we shop top-rated carriers and recommend what’s right for you, not whatever one company is selling.
Find out what it costs to protect them.
Most quotes take just a few minutes. No charge to compare, and no pressure to buy.
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