Free Coverage Needs Analysis
For anyone unsure how much or what type of coverage they need. We review income, debts, dependants and budget, and you leave with a recommended amount and policy type.
Book ThisFree & No-Obligation
I'm Troy Zarger, a licensed agent helping families, homeowners and business owners figure out what coverage actually fits. No pressure, no jargon, no obligation to buy.
Book Your Free ConsultationAppointment Types
Every appointment below is free and carries no obligation to buy. Lengths are a starting point — we can adjust as needed.
For anyone unsure how much or what type of coverage they need. We review income, debts, dependants and budget, and you leave with a recommended amount and policy type.
Book ThisFor young families, new parents and homeowners who want the most coverage for the lowest cost. We compare terms and carriers and discuss no-exam options.
Book ThisFor those wanting lifelong coverage or to build cash value through whole, universal or indexed universal life. Trade-offs and costs explained honestly, with no guaranteed-return promises.
Book ThisFor adults roughly 50–85 who want funeral, burial and final bills covered so family isn't left with them. Simplified and guaranteed-issue options compared.
Book ThisFor anyone with an older policy, employer-only coverage, or a recent life change. We check it against your needs today — nothing is ever cancelled before a new policy is in force.
Book ThisFor homeowners who want the mortgage paid off or payments covered if they die, become seriously ill or disabled. Term length and riders matched to your loan.
Book ThisFor small business owners with partners or key employees who want to protect the business against the loss of a key person or fund a buy-sell agreement.
Book ThisA yearly review of beneficiaries, life changes, premiums and whether your current coverage still fits.
Book ThisAccording to LIMRA's 2025 Insurance Barometer Study, 46% of people who don't buy coverage aren't sure how much or what type to get — and most people overestimate the cost of coverage, with adults 30 and under overestimating it by 10–12 times. A free conversation answers both.
Choose whichever conversation fits your situation above, or just start with the Needs Analysis if you're not sure.
Phone, video or in person — whatever's easiest for you, plus your preferred day and time.
Troy Zarger will reach out personally to confirm your appointment and answer any quick questions.
We talk through your options in plain language. No pressure, no cost, and no obligation to buy anything.
No. The consultation itself is always free and carries no obligation to buy. (Insurance coverage, if you choose to apply, is not free — pricing depends on the carrier and underwriting.)
Most people aren't sure, and that's normal — according to LIMRA's 2025 Insurance Barometer Study, 46% of people who don't buy coverage say it's because they're not sure how much or what type to get. The Coverage Needs Analysis appointment walks through your income, debts, dependants and goals to arrive at a recommended amount together.
That depends on your health, age and the carrier's underwriting, so we can't promise a rate or approval in advance. What we can do is walk through realistic ranges and whether you may qualify for simpler, no-exam underwriting.
Not necessarily. An Existing Policy Review compares your current coverage side by side with any new option first, and your old policy is never cancelled until a new one is actually in force.
For most appointments: photo ID, a list of current prescriptions with dosages, and doctors you've seen in the past five years. For a Policy Review, bring your current policy documents or latest annual statement. We'll confirm exactly what's useful when we schedule.
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Fill this out and Troy Zarger will follow up to confirm a time that works for you. No health details, date of birth or Social Security number needed to book — just the basics.