Whole Life
Locked in for life — your rate never goes up, your coverage never runs out, and it builds guaranteed cash value year after year. Simple, permanent, done.
LIFETIME & GUARANTEED
Independent Insurance Brokerage — Serving All 50 States
We don't work for an insurance company. We work for you.
Already have a policy? There's a real chance you're paying one company's price for coverage the market sells for less. We'll review your policy free, shop it across top-rated carriers, and if switching puts your family ahead — we handle the entire switch for you. No coverage yet? You're not behind — starting from zero is simpler, and usually cheaper, than people think.
No policy yet? Start here — getting protected from zero is easier than you think →
Review costs $0
We handle the switch
100% by phone
No medical exam — simplified issue
Mortgage ProtectionIf you pass, the house stays theirs
30+ A-rated carriers. One call.They compete. You keep the difference.
The Market, By The Numbers
Insurance isn't one price. It's a market — and it's always moving.
Every carrier prices the same family, the same house, and the same coverage differently — and those prices rise and fall as companies compete for business. A captive agent locks you to one company's number and calls it your only option. A brokerage checks the whole market before you pay a dime. These four numbers explain why that gap matters:
1
company is all a captive agent is allowed to sell you. One shelf. One price. Take it or leave it. If that company's rate is high — or its policy is an old-school one that pays only when you die — you never even see the better options sitting right next to it on the market.
2–3×
the typical price spread for the same coverage from one carrier to the next. Identical protection can cost two or three times more depending on which company's name is on the policy — and most families never shop the difference, so they overpay for years without knowing it.
$0
what a Priority policy review costs. We pull your current coverage, line it up against 30+ A-rated carriers, and show you the truth in writing — where you stand, what the market charges, and what your options really are. No fee, no obligation: if your policy wins, we tell you to keep it.
15 min
is all a review takes — by phone, on your schedule, no office visit. If switching puts your family ahead, we do the paperwork and the cancellation for you. If it doesn't, you keep your policy and you've lost nothing but fifteen minutes.
Figures reflect typical industry ranges and how the models work — not a quote, a promise, or a guarantee of savings. Your free review shows you your real options, in writing, before you decide anything.
Switch & Save
One free call shows you exactly where your policy stands against the whole market.
Two Doors, One Call
Have a policy? Don't have one? Either way, you're in the right place.
This page isn't only for people switching. Plenty of the families we protect came to us with a policy that wasn't working — and plenty came to us with nothing at all. Both doors lead to the same free, no-pressure call.
Have a policy already?
You're our favorite kind of call. A lot of the policies we review are old-school — priced at one company's rate, paying out only at death. If the market can beat yours, we'll show you. If it can't, we'll say so.
- Free side-by-side review — your policy vs. 30+ A-rated carriers, in plain numbers.
- We handle the whole switch — paperwork, signatures, old-policy cancellation, zero coverage gap.
- Straight answer, guaranteed — if your current policy already wins, keep it, and we'll tell you that.
No coverage yet?
Then you're not behind — you're right on time, and honestly in the best seat of all: you get to skip the old-school policy entirely and start with modern coverage, built around your budget from day one. No judgment. No lecture about waiting. Just a plan.
- Built around what you can afford — real protection sized to your life, not a one-size sales script.
- Simpler than you think — many plans need no medical exam, just health questions by phone.
- Living benefits from day one — coverage that can help you while you're alive, not only after you're gone.
Either way, it starts with the same free 15-minute phone call — and if the numbers don't make sense for your family, we'll be the first to say so.
Why families don't wait for "someday."
No scare tactics — that's the old-school way of selling, and it's not ours. But these numbers are the honest reason a short conversation matters, whether you're switching a policy or starting your very first one:
3.5M+
Americans face a heart attack, stroke, or cancer diagnosis every single year — 805,000 heart attacks, about 795,000 strokes, and nearly 1.94 million new cancer cases in 2023 alone. Critical, chronic, and terminal illness is not rare. That's exactly why modern coverage pays while you're alive — living benefits are built for these moments, when you need the money most.CDC — Centers for Disease Control and Prevention
≈ $8,300
the median cost of a funeral with burial in the U.S. today — before cemetery costs. It's the bill that lands on a family in the same week they're grieving, and most households don't have it sitting in savings.National Funeral Directors Association, 2023
42%
of U.S. households say losing their primary wage earner would put them in financial hardship within six months. For many families, the mortgage — and the home itself — is the first thing at risk.LIMRA Insurance Barometer, 2024
1 in 4
of today's 20-year-olds will face a disabling condition that keeps them out of work for a year or more before retirement age. That's not a rare disaster — it's exactly what living benefits were built for.U.S. Social Security Administration
Coverage can't prevent the worst day. It decides whether that day also takes the home, the savings, and everything the family was building. Getting protected is a whole lot easier than recovering unprotected.
What We Do
Protect your biggest assets — your home and your family.
Priority Financial Solutions is an independent insurance brokerage based in Louisiana, serving families in all 50 states. We start with a free review of the coverage you already have, compare it against options from 30+ A-rated carriers, and handle the switch for you if a better fit exists. Every appointment is virtual, by phone — no office visit, no pressure. Starting from zero instead? We'll build your first plan from scratch, around your budget. Either way, these are the five ways we protect what matters most:
1 · Mortgage Protection Insurance
If you pass away — or get too sick to work — the mortgage gets paid and your family keeps the home. Not a "for sale" sign. The home stays theirs.
2 · Life Insurance with Living Benefits
Coverage that protects your family when you're gone — and can pay you while you're still living if critical or chronic illness hits. Old policies can't do that. Modern ones can.
3 · Annuities
Turn the money you've saved into a paycheck that shows up every month for the rest of your life — income you can't outlive, no matter what the market does.
4 · Health Insurance
One hospital stay can wreck a family's finances. We shop health coverage across carriers to find the plan that fits your doctors, your prescriptions, and your budget.
5 · Final Expense
A smaller policy that covers the funeral, the burial, and the last bills — so the people you love never have to pass the hat at the worst moment of their lives. Simple approval, no-exam options.
The Difference
Captive agent vs. Priority brokerage
Most people don't have a bad policy because they chose badly. They have one because one company's agent could only sell them one company's policy — usually old-school coverage, priced at that company's rate, that pays only when you die. Here's the head-to-head.
Captive Agent
Works for one insurance company. Sells what's on that one shelf.
- Works forThe insurance company — their paycheck, their quotas, their products.
- Can quote youOne company. If their price is high or their policy is weak, that's still all you've got.
- The priceTheir company's price. No competition, no leverage, no reason to sharpen the pencil.
- The coverage styleOld school: pays only when you die. Heart attack, stroke, chronic illness while you're alive? Nothing. Zero.
- Switching awayYou're on your own — the calls, the forms, the runaround, all on you.
VS
THE PRIORITY WAY
Priority Brokerage
Works for your family. Shops the market. Answers to you.
- Works forYou. We're independent — no company owns our shelf, so the only side we're on is yours.
- Can quote you30+ A-rated carriers — and we line them up side by side against what you have now.
- The priceThe market's price. When companies compete for your business, you keep the difference.
- The coverage styleNew school: living benefits — money you can access while you're alive if critical or chronic illness hits, plus the death benefit your family counts on.
- Switching overWe handle everything — and the new policy starts before the old one ends. No gap, ever.
Switch & Save — Start My Free Review
Free review. No obligation. If your current policy wins, we'll tell you that too.
Carriers We Shop
One call shops the names families already trust.
Foresters Financial
Mutual of Omaha
Ethos
Transamerica
Kansas City Life
CICA
Corebridge
American Home Life
Royal Neighbors of America
Baltimore Life
…and 20+ more A-rated carriers behind them. When carriers compete for your coverage, you keep the difference.
Priority Financial Solutions is an independent insurance brokerage and is not affiliated with or endorsed by any carrier listed. Carrier names shown are trademarks of their respective owners and are listed for identification purposes only.
Products
Coverage that protects you while you're living — not just when you're gone.
Plain language, no jargon. Every product below can be checked against what you already have in your free review.
Term Life
The biggest coverage for the smallest price — protection for the years your family needs it most. Modern term policies can include living benefits your old policy never had.
MAX COVERAGE, LOW COSTIUL — Indexed Universal Life
Life insurance that also builds cash value tied to market growth — with a floor so a crash can't wipe it out. Protection for them, usable money for you, while you're alive.
PROTECT + GROWAnnuities
Turn the money you've saved into a paycheck that shows up every month for the rest of your life — no matter how long you live or what the market does.
RETIREMENT INCOMEHealth Insurance Plans
The right plan for your doctors, your prescriptions, and your budget — shopped across carriers instead of sold off one company's shelf.
SHOPPED, NOT SOLDNot sure which one fits your family?
That's literally what the free review is for. Fifteen minutes, and you'll know exactly what you need — and what you don't.
How Switching Works
Three steps. We do the heavy lifting.
No office visit. No paperwork chase. No day without coverage. Here's exactly how a switch happens.
STEP01
Book your free review
Pick a time and we call you. Have your current policy handy if you can find it — if you can't, we can usually track down the details together.
15 MINUTES · BY PHONESTEP02
See your policy vs. the market
We line up what you have against options from many top-rated carriers — price, coverage, living benefits — side by side, in plain numbers. You see exactly where you stand.
SIDE-BY-SIDE NUMBERSSTEP03
We handle the switch
If switching puts your family ahead, say the word and we run it — application, signatures, old-policy cancellation. You just answer the phone.
DONE FOR YOUThe no-gap rule: your new policy is approved and active before the old one is cancelled. There is never a single day your family isn't covered — that's the whole point of doing the switch the right way.
About
The broker on your family's side of the table.
Jonathan Carrillo
Licensed in all 50 states
Licensed Insurance Agent · Founder, Priority Financial Solutions
- Licensed in all 50 states — based in Louisiana, serving families nationwide
- Independent broker representing 30+ A-rated carriers — works for families, never for an insurance company
- Specialist in mortgage protection and family coverage reviews
- All appointments virtual, by phone — on your schedule, around your life
I'm Jonathan Carrillo — a licensed insurance agent, and the founder of Priority Financial Solutions. I built this brokerage for one reason: families deserve someone on their side of the table.
Most agents work for an insurance company. I don't. As an independent broker representing 30+ A-rated carriers, I work for the family sitting across from me — which means my job is to find you the right coverage at the right price, not to push whatever one company told me to sell this month.
I genuinely love this work. There's nothing like telling a family, "If the worst happens, your home is safe and your kids are taken care of" — and knowing it's true. That's why my reviews are free, why there's never any pressure, and why I treat every family's money like it's my own: because if I wouldn't put my own family in a policy, I won't put yours in it either.
And because help shouldn't have to wait, every appointment is virtual, by phone. You get straight talk, real answers, and a plan built around your life — fast.
"Nobody who trusts me with their family's protection should ever lose their home because a check didn't come. That's the standard. Everything else is details."
Join The Team
Driven agent? Stop selling for one company.
We're always looking for hungry, honest agents who want to build something real. At Priority, you're not a captive agent pushing one company's shelf — you're a broker with the whole market behind you, and a team that actually trains you to win.
Apply / Talk to Us
Text us and we'll set up a call. Licensed or working on it — let's talk.
- 30+ A-rated carriers — sell the best fit for the family, not the only product you're allowed to touch.
- Real training & support — scripts, mentorship, and a team in your corner from day one.
- 100% virtual — work by phone from anywhere. No office, no commute, no ceiling.
- 100% commission — no cap. You get out what you put in.
- A mission that matters — we protect families and their homes. If that fires you up, you'll fit right in.
Straight Answers
Asked all the time. Answered straight.
Nothing. Zero. We review your current coverage, compare it against the market, and show you your options for free. If you decide to switch or start new coverage, the carrier pays us — you never get a bill from Priority Financial Solutions.
Right here — and you're not behind, whatever you've heard. Starting from zero is actually the easiest seat: no old policy to undo, just a plan built around your family and your budget from day one. Book the same free call, pick "New life insurance coverage," and we'll walk you through your options in plain language. Many plans don't even need a medical exam. No judgment, no pressure — just a starting point.
That's the old-school problem. Traditional policies pay only when you die. Modern coverage can include living benefits — access to part of your benefit while you're still alive if you're hit with a critical illness (like a heart attack, stroke, or cancer), a chronic illness, or a terminal diagnosis. It's money for the mortgage, the bills, and lost income when you need it most. Many captive agents can't offer it because their one company doesn't sell it.
No. We follow a strict no-gap rule: the new policy is applied for, approved, and active before the old policy is ever cancelled. Your family is covered every single day of the switch — that's a promise built into how we do it.
Often, no. Many of the carriers we work with offer coverage with no exam — just health questions over the phone — and there are guaranteed-issue options for final expense even with serious health conditions. Your review will tell you exactly which options you're eligible for.
Then we'll tell you to keep it — in those words. A brokerage only earns your trust by telling the truth. You'll still walk away knowing exactly what your policy does and doesn't do, which most people have never been told.
Everything is virtual, by phone. Book a time below, we call you, and in about 15 minutes you'll know where you stand. No office visit, no one coming to your house, no pressure — if you want to move forward, we handle it; if you don't, you don't.
Fifteen minutes from now, you'll know exactly where you stand.
Have a policy? We'll review what you have, shop it against the market, and if switching saves you money or adds living benefits you don't have now, we handle the whole switch. Starting from zero? Same call — we'll help you put your first real protection in place, built around your budget, with zero judgment. Either way: straight answers, real numbers, no pressure.
Free review
No-gap switching
No pressure, ever
Reach Jonathan directly
Book your free review
Pick a time that works for you — it books straight onto Jonathan's calendar, and times he's already busy never show up, so there's never a double-booking.
Book Your Free ReviewTap the button and Jonathan's live calendar opens right here on the page — pick your time and you're booked in under a minute.
Rather text?
Fill this in and hit the button — it opens a text to us with everything pre-written. Just press send.