About
Meet Justin Henderson
Independent life insurance broker, in the insurance business since May 2014 — roughly 12 years of sitting down with families and helping them make a decision they feel good about.
Why I do this work
I started in insurance in May 2014. In the years since, I have sat across the table from young parents buying their first policy, from business owners protecting a paycheck, and from widows in their seventies who simply did not want their children to have to pay for a funeral.
What I learned quickly is that most people are not confused about whether they need life insurance. They are confused about what they are being sold, and they are tired of being pushed. So I built my practice the other way around: explain it clearly, show the real options, and let the family decide on their own timeline.
Because I am an independent broker, I am not obligated to one company's products. I represent multiple carriers, which means I can look at how different companies view your age, your health, and your budget, and then bring you what actually fits. Nobody qualifies for everything, and I will tell you honestly when something is not a match.
Today I work with families in 20 states, helping with coverage for ages 0 to 85. Whether the conversation ends in a policy or not, you should walk away understanding your options better than when we started.
How I work
Educate first
You should understand what you are buying before you buy it. Justin explains the differences in plain language and answers questions until they are answered.
Never pressure
There is no script and no closing tactic. If the timing is not right, that is a perfectly acceptable outcome of a conversation.
Independent by design
Justin is not captive to one company. He compares options across the carriers he represents and recommends what actually fits.
Answer the phone
Clients reach Justin directly, not a call center. If he is with another family, a voicemail gets a personal call back, usually the same day.
What I help with
Term Life Insurance
Coverage for a set period of years, often used while raising a family or paying off a home.
Return of Premium Term
Term options that may return premiums paid if the policy is still in force at the end of the term, subject to policy terms.
Whole Life Insurance
Lifelong coverage with level premiums and cash value that builds over time.
Final Expense / Burial Insurance
Smaller policies designed to help cover funeral costs and other final expenses.
Income Replacement Protection
Coverage intended to help replace lost household income for the people who depend on it.
If Justin is with another family when you call, please leave a voicemail with your name and the best time to reach you — he returns every message personally, usually the same day.
Let's Have a Conversation
Answer a few questions, including a short health questionnaire, and Justin will follow up personally.