Independent · Nationwide · Your Best Interest First

Protection for the life
you've worked hard
to build.

Personalized life insurance and financial planning for individuals, families, and everyone in between — no confusing terms, no pressure, just the right coverage.

Schedule a Free Call See What We Offer
★★★★★

"Drake made the whole process feel easy. I finally feel like my family is protected."

Verified Client · Nationwide
★ 5.0
Client Rating
20+
Top-Rated Carriers
100%
Independent & Unbiased
50
States Licensed
Independent Agent Licensed Nationwide 20+ Top-Rated Carriers No Medical Exam Required Free Consultation No-Pressure Guidance Ongoing Client Support
Drake Stratton — Founder, The Stratton Life Group

Meet the Founder

Drake Stratton

Independent Life Insurance Broker & Agency Owner

"Protecting families who can't afford NOT to be protected."

Too many families find out what their coverage is worth at the worst possible moment — after they've lost someone and there's nothing left to fall back on. That's what drove me into this business, and it's what keeps me in it. I've seen the difference between a family that's protected and one that isn't, and it's not a difference I can look away from.

As an independent broker, I'm not tied to any one company or pushing any one product. I work across 20+ top-rated carriers to find what genuinely fits your life and your budget. I'll answer my own phone. I'll tell you when you don't need something. And I'll still be here years from now when your situation changes — because this isn't a transaction, it's a commitment.

Licensed in All 50 States Independent & Unbiased 20+ Carrier Partners No Medical Exam Options Free Consultations
Schedule a Free Consultation

The Process

Coverage in 3 Simple Steps

No confusing paperwork, no pressure — just a clear path from conversation to coverage.

Step One

We Talk

Schedule a free 20-minute call. I learn about your family, your goals, and your budget — no forms, no pressure, just a real conversation about what protection looks like for you.

01
02
Step Two

I Shop for You

I compare rates across 20+ top-rated carriers and bring you the best options side by side — so you see exactly what you're getting, what it costs, and why it fits.

Step Three

You're Protected

Apply in minutes — many policies go into effect the same day. I handle all the follow-up and stay with you long after the policy is in place. Coverage doesn't end at the sale.

03
Start with a Free Call

Takes 20 minutes. Completely free. No obligation.

What We Offer

Coverage for Every Stage of Life

From your first policy to retirement income — we find what fits your life, not a one-size-fits-all plan.

Term Life

Affordable protection for a specific period of time — ideal for income replacement, mortgage coverage, and young families building their future.

Whole Life

Permanent coverage with fixed premiums and guaranteed death benefit. Builds cash value over time that you can access throughout your life.

IUL

Indexed Universal Life offers flexible protection while building tax-advantaged cash value tied to market performance — without direct market risk.

Mortgage Protection

Coverage designed specifically to protect your home and family if the unexpected happens — so your family never has to worry about losing the house.

Debt-Free Life

A focused strategy to eliminate debt efficiently while keeping your family protected — so financial freedom and security work hand in hand.

Annuities

Guaranteed retirement income to protect your savings from market risk. Designed to give you a reliable paycheck through every stage of retirement.

Find the Right Coverage

Why Work With Us

Independent. Personal. Always in Your Corner.

★ We're not tied to any one company — we work for you, not an insurance carrier.

We compare 20+ top-rated carriers to find coverage that actually fits your life and budget — no pressure, no agenda.

01

Personalized Guidance

Every recommendation is built around your family, your goals, and your budget — not a generic product push. We take the time to understand your situation before suggesting anything.

02

Multiple Carrier Options

As an independent broker, we compare top-rated insurance companies on your behalf. That means you get the best coverage at the best rate — without doing the legwork yourself.

03

Ongoing Support

We're here before, during, and long after your policy is in place. Life changes — we're here to make sure your coverage keeps up with it.

Client Reviews

What Our Clients Are Saying

SM
Sarah M.
Life Insurance Client
★★★★★
"Drake made the process simple and helped us find a policy that fit our family and budget. He never made us feel rushed — just genuinely helped us make the right decision."
Google Review
JR
John R.
Mortgage Protection Client
★★★★★
"I appreciated that he explained all of our options and never made us feel pressured. He was patient, knowledgeable, and focused on what was right for us — not just making a sale."
Google Review
MT
Melissa T.
Whole Life Client
★★★★★
"Professional, knowledgeable, and easy to work with from start to finish. Drake took the time to understand our situation and found us coverage we feel genuinely confident in."
Google Review
Read Our Google Reviews

Verified reviews from real clients on Google

Who We Work With

Our Carrier Partners

We're independent — meaning we shop across the industry's top-rated companies to find the right fit for you.

American Amicable is a strong choice for final expense and simplified issue life insurance. Their products are designed for clients who need straightforward coverage with minimal health questions — a dependable option for seniors and those looking for an affordable, no-hassle policy.

A leading annuity specialist. American Equity's fixed index annuities are designed for clients approaching or in retirement who want guaranteed income without market risk. A reliable option when protecting your savings is the top priority.

One of the largest life insurance carriers in the U.S., American General (an AIG company) offers a broad product portfolio from affordable term coverage to sophisticated IUL strategies. Their simplified issue options make them a great fit for clients who want coverage without a medical exam.

Americo specializes in simplified issue and final expense products — a strong choice for clients who need coverage fast or have health conditions that make traditional underwriting challenging. Reliable, straightforward policies with competitive premiums for seniors and hard-to-insure individuals.

Assurity is a Nebraska-based mutual company known for simplified issue life insurance and strong disability income products. Their no-exam options and flexible underwriting make them a solid choice for clients who want quick, accessible coverage without the lengthy approval process of traditional carriers.

Athene is one of the premier annuity carriers in the country, known for strong crediting rates and innovative retirement income solutions. Their fixed index annuities offer market-linked growth potential with downside protection — ideal for clients who want to grow their retirement savings safely.

Banner Life consistently ranks among the most competitively priced term carriers in the industry. Their BeyondTerm product offers additional flexibility at the end of a term period, making it a smart choice for clients who want long-term options built in from day one.

Fidelity & Guaranty Life is a solid annuity and life insurance carrier known for straightforward products and dependable service. Their fixed index annuities and simplified issue whole life policies are a great fit for clients focused on retirement security and accessible coverage.

Foresters is a strong choice for clients who want simplified or no-exam coverage. They're also known for unique member benefits — like family emergency funds and scholarships — that come built into their policies at no extra cost.

Gerber Life is best known for children's whole life policies and guaranteed issue final expense coverage for adults. An excellent option for clients who want no-questions-asked coverage or want to start building cash value for their children from day one.

One of the most recognized names in life insurance. Mutual of Omaha offers strong term and whole life products with competitive rates and a reputation for paying claims promptly. Excellent option for families seeking reliable, straightforward coverage.

National Life Group is a Vermont-based mutual holding company with a long track record of financial strength. Their IUL products are well-regarded for cash value accumulation, and their no-exam options make it easy for clients to get covered quickly without the wait of traditional underwriting.

Nationwide is one of the strongest all-around carriers — excellent for clients who want a single company they can grow with. Their IUL products are among the most competitive in the industry, and their annuity lineup is a go-to for retirement income planning.

North American offers competitive term and IUL products with flexible underwriting. Their annuity products are particularly strong for clients seeking principal protection and growth potential in a single vehicle. A solid carrier for clients at multiple life stages.

Pacific Life is known for premium IUL products with strong indexing strategies and long-term cash value performance. A top-tier choice for clients focused on building tax-advantaged wealth alongside permanent life protection.

Protective consistently offers some of the most affordable term rates in the market. Their custom choice UL product is an excellent fit for clients who want permanent coverage with flexibility at a lower cost than traditional whole life.

Royal Neighbors of America is one of the largest women-led life insurers in the country — a fraternal benefit society with over 125 years of history. Known for accessible term and whole life products with simplified underwriting, plus built-in member benefits that extend beyond the policy itself.

SBLI (Savings Bank Life Insurance) has been around for over 100 years and is known for no-frills, affordable coverage. Their no-exam term and whole life products are a great fit for clients who want straightforward protection at a fair price without the hassle of a paramedical exam.

A top choice for term life coverage with competitive pricing across all age groups. Transamerica also offers solid IUL and whole life products, making them a versatile carrier we turn to often for both protection and cash-value strategies.

United Home Life specializes in simplified issue whole life and final expense products. A go-to carrier for clients with health challenges who still need quality coverage — their underwriting is flexible and their products are designed to be accessible and easy to understand.

Free Download

Is Your Family Fully Protected?

Most people assume they're covered — until they find out they're not. This free checklist walks you through every gap that families miss, so you know exactly where you stand before something goes wrong.

  • Life insurance coverage gaps most people overlook
  • Whether your beneficiaries are actually set up correctly
  • The retirement income questions no one is asking you
  • How to know if your current agent is really working for you
  • What to do if you answered NO to anything on the list
The Stratton Life Group · Complimentary Guide
The Family
Protection Checklist
Life insurance coverage is in place
Coverage is at least 10x annual income
Beneficiaries updated in last 2 years
Spouse / partner has their own policy
Retirement income strategy in place
Agent is independent — not tied to one carrier

Enter your name and email for instant access — the full checklist downloads immediately. Free, no spam, no obligation.

No spam. Unsubscribe anytime. Your info stays private.

Common Questions

Life Insurance, Answered Simply

Plain answers to the questions we hear most — no industry-speak, no runaround.

A common starting point is 10–12x your annual income, but the real answer depends on your situation — your debts, your dependents, your mortgage, and your long-term goals. That's exactly what we walk through together on a free call. There's no one-size-fits-all number, and getting it right matters.

Term life covers you for a specific period — usually 10, 20, or 30 years — and is typically the most affordable option. Whole life is permanent coverage that lasts your entire life and builds cash value over time that you can borrow against. The right choice depends on your goals, budget, and timeline — and sometimes a combination of both makes the most sense.

Less than most people think. A healthy 30-year-old can get a $500,000 term policy for around $25–$30/month. Rates vary based on your age, health, coverage amount, and the type of policy. As an independent agent, I compare rates across 10+ top-rated carriers to find you the best value — not just the first quote.

Being young and healthy is actually the best time to get it — because that's when rates are lowest and approval is easiest. Life insurance locks in your rate at the age you apply. Waiting 10 years almost always means paying significantly more for the same coverage. It's one of those decisions where acting early pays off for decades.

Indexed Universal Life (IUL) is a permanent life insurance policy that builds cash value tied to a market index like the S&P 500 — without direct market exposure. It offers upside growth potential with a floor that protects you from losses. IUL is typically best for people who want both lifelong protection and a tax-advantaged savings component for retirement. It's not for everyone, but for the right situation it's a powerful tool.

Often, yes. Many pre-existing conditions don't disqualify you — they may just affect your rate or the type of policy available to you. Different carriers underwrite health conditions differently, which is why working with an independent agent matters. I can shop your profile across multiple carriers to find who will approve you at the best possible rate.

It depends on the policy type. Some term policies offer same-day or next-day approval with no medical exam required. Traditional underwriting (with a medical exam) typically takes 2–6 weeks. We'll walk through your options and find the fastest path to coverage that fits your needs and budget.

The Real Cost of Waiting

Every Year You Wait Costs
Your Family Real Money.

Life insurance locks in your rate at the age you apply. The longer you wait, the more you pay — for the exact same coverage.

Apply Today — Age 30
$28/mo
$500,000 term policy
30-year healthy male
Locked in for life
VS
Wait 10 Years — Age 40
$52/mo
Same $500,000 policy
Same coverage, higher cost
+$24/month forever
📊
Waiting just 10 years costs $24 more every single month — that's $2,880 extra per decade, just because you waited. Over a 30-year policy, the same family ends up paying over $8,600 more for identical coverage. The youngest, healthiest version of you is the cheapest to insure. That window doesn't stay open.
Lock In Your Rate Today

Free 20-minute call. No commitment, no pressure.

Let's Talk

Let's Start the Conversation

Have questions or want to explore your options? Book a free call — no commitment, no pressure. Just an honest conversation about what's right for you.

Book a Free Call
Phone
(480) 640-7078
Email
drake@strattonlifegroup.com
Office
9440 W Sahara Ave, Suite 223
Las Vegas, NV 89117