Affordable coverage to protect the people you love most.
Oaken Life helps families across the country find final expense, term, whole life, and IUL coverage that fits their budget. You're not dealing with a corporation — I'm an independent agent and I handle everything personally.
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An independent advisor who shops dozens of carriers to find your best rate.
At Oaken Life, I'm not tied to any one insurance company. That means I compare rates across 30+ top-rated carriers to find the most affordable final expense and life insurance policy for your exact situation.
Honest, Side-by-Side Comparisons
I show you multiple options with real numbers. No pressure, no confusion.
Plain English Explanations
Insurance can be complicated. I make sure you understand exactly what you're buying before you sign anything.
Lifetime Policy Support
I'm here when you need to make changes, file a claim, or your life situation evolves.
Fast, Hassle-Free Process
Many policies approved same-day or next-day. Some with no medical exam required.
Final expense, term life, whole life & IUL, all in one place.
Whether you need burial insurance for a loved one or lifetime coverage for your family, Oaken Life finds you the best rate from top-rated carriers nationwide.
Term Life
Simple, affordable protection for the years your family needs it most. Coverage from 10 to 30 years.
Learn more ↓Whole Life
Lifetime coverage that builds tax-advantaged cash value you can borrow against anytime.
Learn more ↓Final Expense
Affordable burial insurance for seniors ages 50-85. No medical exam required, guaranteed acceptance options available.
Learn more ↓IUL / SIUL
Index-linked upside with downside protection. A powerful tool for retirement income planning.
Learn more ↓Not sure where to start? You're not alone.
Life insurance is a contract between you and an insurance company. You pay a monthly premium, and in return, your loved ones receive a tax-free payout when you pass away. That money can cover anything — funeral costs, unpaid bills, a mortgage, or just making sure your family doesn't struggle financially without you.
Most people put it off because it feels complicated or expensive. It's usually neither. A few minutes is all it takes to find out what you qualify for and what it costs.
Why Get Life Insurance?
The average funeral costs $8,000 to $12,000. Add in medical bills, outstanding debts, or lost income and the financial burden on your family can be significant. Life insurance makes sure the people you love are taken care of, no matter what happens. The earlier you get it, the lower your rate will be.
When Should You Get It?
The best time to get life insurance is today. Rates are based on your age and health at the time you apply. Every year you wait, premiums go up. Many people assume they'll qualify easily later on, but health changes fast. Locking in a rate now protects you and your family at the lowest possible cost.
Why Work With Me?
I'm not a call center. When you reach out to Oaken Life, you're talking to one person who will actually learn your situation, explain your options clearly, and find you the best rate available. You'll get a real person who actually listens, not a script and a sales pitch.
Real families, real peace of mind.
"I had no idea how affordable term life could be. Within 48 hours I had a policy for my family that I felt great about. The whole process was refreshingly easy."
"After my husband passed, I realized how unprepared we were. Now I make sure everyone in my family is covered. I wish I'd called sooner. It gave me real peace of mind."
"I was skeptical about IUL but the explanation was clear and the numbers made sense. No pushy sales tactics, just honest guidance. I'm grateful I made the call."
Hi, I'm Brayden Ricks. I believe everyone deserves coverage they can actually afford.
I got into life insurance because I saw firsthand how often families are left unprepared when it matters most. The insurance industry can feel complicated and impersonal. I wanted to change that.
As an independent agent, I work for you, not the insurance companies. That means I shop dozens of top-rated carriers to find the policy that genuinely fits your life and your budget, then walk you through every detail in plain English before you sign anything.
Whether you're looking for final expense coverage to protect your family from end-of-life costs, or a whole life policy to build long-term financial security, I'm here to make the process simple, honest, and stress-free.
From your first question to covered — here's what to expect.
Submit Your Info
Fill out the short form with a few basics about your coverage needs and health.
I Review & Reach Out
I personally review your details and reach out within a few hours to talk through your options.
I Compare Carriers
I shop 30+ top-rated carriers to find the best rate and coverage for your exact situation.
You Get Covered
Once you're approved, your coverage starts immediately. Many policies are same-day.
Answers to the questions most people are afraid to ask.
Final expense insurance, also called burial insurance, is a small whole life policy designed to cover end-of-life costs like funeral expenses, medical bills, and outstanding debts. These costs can easily reach $10,000 to $25,000, which can be a real burden on grieving families. It's typically designed for adults between ages 50 and 85, and most plans require no medical exam. If you want to make sure your family isn't left with unexpected bills when you pass, final expense insurance is one of the most affordable and accessible ways to do that.
Premiums vary based on your age, health, and the coverage amount you choose, but final expense policies are generally designed to be affordable on a fixed income. Many people pay anywhere from $30 to $100 per month for $10,000 to $25,000 in coverage. The younger and healthier you are when you apply, the lower your premium will be. Once it's locked in, it never goes up. The best way to find out your exact rate is to get a free quote. It takes less than two minutes and there's no obligation.
For most final expense and simplified issue policies, no medical exam is required. You'll typically answer a few basic health questions, and many carriers offer guaranteed acceptance options where no health questions are asked at all. Term life and whole life policies sometimes require a medical exam depending on the coverage amount and your age, but there are plenty of no-exam options available. I'll always find you the best coverage you qualify for without unnecessary hurdles.
Term life covers you for a set period (usually 10, 20, or 30 years) and pays out a death benefit if you pass away during that time. It's the most affordable option and is great for income replacement or covering a mortgage. Whole life insurance is permanent. It covers you for your entire life, never expires, and builds cash value over time that you can borrow against. Final expense policies are a type of whole life insurance. The right choice depends on your age, goals, and budget. I'm happy to walk you through both.
When you go directly to a single insurance company, you're only seeing their products and they're motivated to sell you what they offer, not what's best for you. As an independent agent, I'm not tied to any one carrier. I work with 30+ top-rated insurance companies and can compare rates and coverage side by side to find the best fit for your specific situation. My job is to find you the right policy, not to push one company's products. My services cost you nothing extra. My commission is paid by the carrier, not by you.
It depends on the type of policy. Final expense and simplified issue policies can often be approved same-day or within 24 to 48 hours. Some no-exam term life policies are also approved very quickly. Policies that require a full medical exam take longer, typically 2 to 4 weeks. Once you're approved, your coverage starts immediately. I'll always let you know upfront what to expect for your specific situation.
Get your free final expense or life insurance quote today.
No cost, no obligation, no pressure. Oaken Life makes it simple to protect the people you love, in minutes not days.
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