Term Life
Affordable coverage for a set period — ideal for young families, new mortgages, and income replacement.
Learn more→Licensed Independent Agency
Life insurance, honestly done.
I'm Derek Maddox — an independent agent helping families and business owners find coverage that fits their life, not the other way around. No pressure, no jargon, no captive carrier bias.
- Years licensed
- 8+
- Carriers
- 30+
- Families served
- 5000+
About
A steady hand for one of life's most personal decisions.
After nearly a decade in the industry, I decided to build my practice around a simple idea: the person selling you a policy shouldn't be the one who benefits most from it.
As an independent agency, we are not tied to any single insurer. We shop the market on your behalf, translate the fine print into plain English, and stay in your corner long after the policy is issued.
When I'm not meeting with clients you'll find me coaching my kids' soccer team, enjoying a good cup of coffee somewhere, or perhaps looking at watches online.
- Licensed in 20+ states
- 30+ carriers
- Fiduciary mindset
- Family-owned practice
Services
Coverage built around your life stage.
Every plan starts with a conversation — no application, no credit pull, no obligation.
Whole Life
Permanent protection that builds guaranteed cash value you can borrow against throughout your lifetime.
Learn more→Indexed Universal Life
Flexible premiums with tax-advantaged growth tied to a market index — with downside protection built in.
Learn more→Final Expense
Simple, dignified coverage to ease the burden on loved ones during a difficult time.
Learn more→Business & Key Person
Buy-sell funding, key-person policies, and executive bonus plans for owner-operators and partnerships.
Learn more→Policy Review
Already covered? I'll audit your existing policy at no cost and tell you honestly if it still fits.
Learn more→Contact
Let's talk about what matters to you.
Send a note and I'll get back within one business day. Prefer to skip the form? Call or email directly — I answer both personally.
- Phone
- (269) 430-1414
- Licensed
- 20+ states across the U.S.
- Hours
- Mon–Fri · 8am–6pm