We Do the Chasing. You Do the Living.

Cover the people you love.

PlondoLife is a national network of independent agents protecting families with life insurance, mortgage protection, and retirement strategies — backed by the carriers America trusts most.

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By the numbers

Built on a foundation of trust.

$50B+

Life insurance placed

Across the agent network

$500M+

Annual premium written

And growing year over year

States licensed

Coast-to-coast coverage

Cumulative across our agent network. Updated annually.

A family cooking dinner together in a warm farmhouse kitchen

Our promise

We do the chasing. You do the living.

PlondoLife exists to protect what matters most — the people you come home to. We work with the country’s top-rated carriers to find honest coverage for every stage of life, and we train the agents who deliver it with the care a family deserves.

How it works

Three steps. One licensed agent. Twenty-one carriers.

PlondoLife is a brokerage, not a single-carrier shop. That means your agent shops the case across every company we are appointed with and brings you the option that actually fits — not the one with the highest commission.

Tell us about your family.

Five minutes of basics — age, health, dependents, what you are trying to protect. No SSN, no commitments, just enough to match you with the right carriers.

We shop 21+ top-rated carriers.

Your licensed PlondoLife agent runs the case through every company we are appointed with — Mutual of Omaha, Foresters, Lincoln Financial, Athene, and the rest — and pulls the policies that actually fit your situation.

You pick the policy that fits.

No high-pressure pitch. We walk you through the options, answer every question, and you decide. Quotes cost nothing and never obligate you to buy.

What we offer

Coverage for every chapter.

Four cornerstones, dozens of carriers, one job: get your family the right protection at the right price.

01 / 07

Mortgage Protection

Pay off the house if the worst happens.

Term life designed around your mortgage balance — so the people you live with can stay in the home you bought together.

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02 / 07

Final Expense

Handle the goodbye, not the bill.

Whole-life coverage tailored for funeral, burial, and end-of-life expenses, with simple underwriting and lifetime rates.

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03 / 07

Indexed Universal Life

Protection plus tax-advantaged growth.

A permanent policy that pairs a death benefit with cash value tied to market index performance — without the downside risk.

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04 / 07

Fixed Indexed Annuities

Income you cannot outlive.

Retirement income strategies that protect principal, capture market upside, and turn your savings into a paycheck for life.

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05 / 07

Hybrid Long-Term Care

Life insurance that doubles as a long-term care safety net.

A permanent life policy that lets your family draw on the death benefit while you are still alive if you need long-term care — and if you never need it, the full benefit still passes to your beneficiaries.

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06 / 07

Medicare Plans

Medicare Advantage, Medigap, and Part D — explained without the alphabet soup.

For people 65 and older (and some who qualify earlier). Cover the gaps in Original Medicare with the right combination of Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug coverage — sized to your doctors, your medications, and the way you actually live.

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07 / 07

Supplemental Health

Cash benefits paid directly to you when life happens.

Accident, hospital indemnity, critical illness, cancer, dental, and vision coverage. Pays cash to you — not your provider — so you can use it however you need: cover a deductible, replace lost income, keep the household running while you recover.

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A friendly insurance agent meeting with a couple in their living room

Build a career

Independent. Supported. Together.

Plug into a system that has placed billions in coverage and trains the next generation of life insurance professionals. Direct contracts with top carriers, exclusive lead programs, and mentorship from the producers who built this firm.

Apply to work with PlondoLife

Top-tier contracts

Direct, vested, and ownable from day one. No haircuts, no clawbacks.

Exclusive leads

Inbound calls and direct-mail leads that are yours — not recycled internet lists.

Live training

Weekly classroom sessions, ride-alongs, and a script library that converts.

Build a team

Recruit and mentor a national team you actually own — vested, transferable, and yours.

Agent benefits

Group medical, dental, and vision available — because you’re self-employed, not on your own.

Stay independent

Run your own book, write with any of our carriers, and keep what you build.

Carrier partnerships

The names you already know.

We are contracted with the country’s most respected life insurance carriers, so we can shop your case to the company that fits — not the one we are paid to push.

Insurance has always been about families. The technology, until now, never was. PlondoLife exists to put the tools the largest firms keep to themselves into every agent’s hands — so the family on the other end of the policy gets the same care, no matter who is writing it.

N. SorensenNational Vice President · PlondoLife

Frequently asked

Real answers to the questions families ask.

No jargon, no fine-print games. If your question is not here, send it to support@plondo.com and a real person will answer.

Do I need a medical exam?

For most term and final-expense policies, no. Many of our carriers offer accelerated underwriting — a same-day decision based on your application, prescription history, and motor-vehicle record. A traditional exam is only required for higher coverage amounts or certain health profiles, and your agent will tell you up front if one is needed.

How much coverage do I really need?

A common starting point is ten times your annual income, plus enough to pay off the mortgage, replace a non-working spouse’s contribution, and fund the kids’ education. Your agent will run the numbers in five minutes and explain the trade-offs — there is no single right answer, and we will not pressure you toward more than you need.

How fast can I get covered?

For accelerated-underwriting cases, coverage can be in force the same day. For final expense, it is usually 24 to 72 hours. Cases that require a medical exam typically wrap up in two to four weeks. Your agent will give you a realistic timeline before you submit anything.

What is the difference between term and permanent life insurance?

Term covers you for a fixed window (10, 20, or 30 years) and is the cheapest way to buy a large death benefit during the years your family needs it most. Permanent (whole life, IUL) lasts your whole life, costs more, and builds cash value you can borrow against. Most families benefit from a mix — your agent will explain why.

Can I be denied?

Some carriers decline applications for specific health conditions, but the brokerage model gives you many shots on goal. If one carrier declines, your agent shops the case to the next. For people who have been declined elsewhere, simplified-issue and guaranteed-issue final-expense policies are almost always available.

How are PlondoLife agents paid?

We are paid by the carrier — never by you. Commissions are built into the premium and are similar across our carriers, so your agent has no incentive to push one company over another. We will explain the compensation openly on request.

Will my information be sold?

No. We do not sell personal information. Your data is shared only with the carrier you apply with and the service providers required to underwrite, issue, and service your policy. Full details are in our Privacy Policy.

Give where it counts

A piece of every policy goes home.

A portion of every policy we place funds the PlondoFoundation — our charitable arm dedicated to standing with the families, agents, and communities we serve every day.

Visit PlondoFoundation.org

Two ways in.

For families

Looking for coverage that actually fits? Talk to a licensed agent in your state.

Get a quote

For agents

Looking for a real career protecting families? Apply to join the firm.

Apply to join

Important disclosures

PlondoLife is a licensed life insurance brokerage. All policies referenced on this site are issued by third-party insurance carriers, not by PlondoLife. Eligibility, premiums, riders, and benefits depend on your age, health, state of residence, and the carrier’s underwriting process. Quotes shown on plondolife.com are illustrative and are not a binder of insurance. Coverage may not be available in every state. Information on this site is for general educational purposes and is not insurance, tax, legal, or financial advice — consult a licensed professional before making decisions about coverage. See our Licensing & Disclosures, Privacy Policy, and Terms of Use for the full picture.