Financial freedom for the people who protect us.
Veteran owned and operated, Freedom Financial Life Group helps veterans and all service workers protect their families — because they're busy protecting ours.
- Veteran owned & operated
- Licensed & verified agents
- Your information stays private
60+
Licensed agents
Nationwide
Coverage across the USA
100%
Veteran owned & operated
Every agent
Independently verifiable
Who we serve
We exist for the men and women who dedicate their lives to serving others. Your commitment deserves a financial partner just as committed to you.
Veterans
Honoring your service with plans built for life after duty.
Nurses
Protecting the caregivers who care for everyone else.
Police Officers
Security at home for those who keep our streets safe.
Firefighters
Coverage as dependable as the people who run toward danger.
All Service Members
Every member of our community who serves a greater cause.
Why service members trust us
You are careful about who you let near your family's future. So are we. Here is how we earn the right to be your go-to.
Every agent is verifiable
Before you share a single detail, confirm your agent is one of ours. Search any name or license number and see their verified profile instantly.
Verify an agentVeteran-led team
Founded by U.S. Coast Guard veteran Andru Duranso and staffed by agents from the communities we serve. We speak your language because we have lived it.
Licensed professionals
Our agents hold active state insurance licenses. Their credentials are real, current, and yours to check anytime.
No pressure, ever
Guidance built around your family and your goals, never a sales quota. Clear answers, honest options, and your information kept private.
How we help
Personalized financial guidance from agents who understand the life of service.
Life Insurance
Term and permanent coverage that keeps your family protected no matter what comes next.
Retirement Planning
Strategies to turn years of service into a secure, comfortable retirement.
Wealth Building
Tax-advantaged accounts and annuities designed for steady, long-term growth.
Living Benefits
Access your policy during a critical, chronic, or terminal illness — when you need it most.
College Savings
Plan ahead so the next generation can pursue their goals without the debt.
Estate & Legacy
Preserve what you have built and pass it on with clarity and peace of mind.
VA benefits vs. the private market
You earned your VA benefits — but they aren’t always the whole picture. Our Veterans Life Coverage division lays your VA options side by side with the private market so you can see exactly where each one fits, with no pressure and no jargon.
What the VA Offers
SGLI / VGLI & other VA programs
- Guaranteed coverage while on active duty (SGLI)
- No medical exam required to convert to VGLI
- Coverage caps out at $500,000
- Premiums rise sharply every 5 years with age
- Ends or must be converted after separation
- No cash value or living benefits
Private Market Options
Term & permanent policies we shop for you
- Coverage amounts tailored to your family’s needs
- Level premiums that lock in while you’re young and healthy
- Portable — stays with you for life, not tied to service
- Living benefits for critical, chronic & terminal illness
- Options that build cash value over time
- Requires health underwriting for best rates
Every veteran’s situation is different. Let one of our verified agents run a free, side-by-side comparison based on your rank, health, and family — so you keep what serves you and fill the gaps that don’t.
Get a free coverage comparisonTerm vs. IUL vs. Whole Life
There is no one-size-fits-all policy. Here is an honest, side-by-side look at the three most common types of life insurance — the pros, the cons, and who each one fits best — so you can choose with confidence.
Term Life
Coverage for a set period
Best for maximum protection at the lowest cost during your working years.
Pros
- Lowest premiums for the highest death benefit
- Simple and easy to understand
- Great for covering a mortgage or income replacement
Cons
- Coverage expires at the end of the term
- No cash value or living benefits built in
- Premiums jump sharply if you renew later in life
Indexed Universal Life (IUL)
Permanent coverage + market-linked growth
Best for lifelong protection with tax-advantaged cash growth and flexibility.
Pros
- Cash value grows tied to a market index
- Downside protection — a 0% floor in down years
- Flexible premiums and adjustable death benefit
- Tax-advantaged access to cash value
Cons
- Growth is capped in strong market years
- Requires funding consistently to perform well
- More complex than term coverage
Whole Life
Guaranteed permanent coverage
Best for guaranteed, predictable coverage and steady cash value.
Pros
- Fixed premiums that never increase
- Guaranteed cash value growth
- Coverage lasts your entire life
- May pay dividends (with participating policies)
Cons
- Highest premiums of the three
- Lower growth potential than an IUL
- Less flexibility once the policy is set
Not sure which fits your family and budget? One of our verified agents will walk you through the trade-offs in plain English — no pressure, no jargon.
Talk to a verified agentVerify your agent
Feeling unsure about who you are talking to? Enter your agent's name or ID number below to confirm they are an official, verified representative of Freedom Financial Life Group.
About Freedom Financial Life Group
Freedom Financial Life Group is a veteran owned and operated firm founded by Andru Duranso, a U.S. Coast Guard veteran. Our mission is simple: help veterans and all service workers protect their families — because they're busy protecting ours.
Many of our agents come from the same communities we serve — veterans, first responders, and healthcare heroes. We take the time to understand your life, your family, and your goals, then build a plan that gives you real peace of mind. No jargon, no pressure — just trusted guidance from people who understand the calling to serve.
Andru Duranso
Founder · U.S. Coast Guard Veteran
Integrity first
Honest guidance with no pressure and no hidden fees.
Service minded
We treat your family like our own, because service is who we are.
Purpose driven
Every plan is built around your goals, not a sales quota.
Get in touch
Ready to talk about protecting your family's future? Reach out and one of our verified agents will follow up with you.