Life & disability insurance — your best rate, from 25+ carriers.
I’m Phillip Chin — an independent insurance broker based in New York. I compare rates from 25+ top-rated carriers so you get the right coverage at the right price. You’ll always speak directly with me, not a stranger at a call center.
4.9 · 12 Google reviewsYour Free Quote, in Minutes
Compare real rates from 25+ top-rated carriers with an independent broker. No-exam options, no broker fees, and no pressure — ever.
Start Your Free Quote
Quote. Apply. Buy. — answer a few quick questions to see your options.
🔒 Your info stays private — we never sell or share it, and we don’t spam. You work directly with Phil, a licensed independent broker.
How It Works
Life & disability insurance in 3 simple steps.
Quote
Answer a few quick questions and instantly compare real rates from 25+ top-rated carriers. No personal info required to start.
Apply
Choose your best option and apply online in minutes. Many policies are approved the same day with no medical exam.
Buy
Get covered with confidence. I handle the paperwork and guide you through every step — for the life of your policy.
Prefer to talk it through?
Call me directly — no call centers, no scripts. You’ll always speak with Phillip.
Call (646) 866-6990You’re Speaking Directly with Phillip — Not a Call Center
My name is Phillip Chin. I’m a licensed, independent life and disability insurance broker based in New York. I started Plan with Phil because I believe people deserve straightforward, honest advice from someone who actually knows their situation — not a scripted agent at a call center who earns a commission regardless of what you buy.
As an independent broker, I’m not tied to any single insurance company. That means I can shop the entire market on your behalf, compare dozens of carriers side by side, and recommend the policy that genuinely fits your life — not the one with the highest payout for me.
- ✓ Personal, 1-on-1 service — you get my direct number
- ✓ I compare 25+ top-rated carriers for every client
- ✓ Licensed in New York and available nationwide
- ✓ Specializing in life insurance and disability income protection
- ✓ No pressure, no upselling — we move at your pace
- ✓ A-rated and A+ rated carriers only
Coverage That Protects What Matters Most
Whether you’re looking to protect your family’s future or safeguard your income if you become unable to work, I’ll find the right policy from the right carrier at the right price.
Term Life Insurance
The most affordable way to protect your family during the years they need it most. I compare 25+ carriers to lock in the lowest rate for your health and age — coverage from 10 to 30 years.
Learn more →Whole Life Insurance
Permanent coverage that never expires, builds cash value over time, and locks in your premium for life. Ideal for estate planning, final expenses, and long-term protection.
Learn more →Disability Insurance
Your income is your most valuable asset. If an illness or injury prevents you from working, disability insurance replaces a portion of your paycheck so you can stay afloat. Available for individuals, self-employed, and business owners.
Learn more →Education Planning
Build a tax-advantaged savings strategy for your children’s education costs using life insurance vehicles that protect your plan even if something happens to you.
Learn more →Long-Term Care
Plan ahead for nursing home, assisted living, or in-home care costs that Medicare doesn’t cover. Long-term care insurance protects your retirement savings from being wiped out.
Learn more →Retirement Planning
Use life insurance as a tax-efficient component of your retirement strategy. I help clients build income streams that supplement Social Security and traditional savings accounts.
Learn more →The Difference Between a Broker and a Call Center
- 1
You Talk to Me — Every Time
When you call Plan with Phil, you get me. Not a different agent each time, not a hold queue. I know your situation because I remember it.
- 2
I Work for You, Not an Insurance Company
As an independent broker, I’m not employed by any carrier. I have no incentive to steer you toward a specific company — my only job is finding your best option.
- 3
I Shop 25+ Carriers Simultaneously
Different insurance companies price the same person very differently based on age, health, and lifestyle. I know which carrier gives you the best rate for your specific profile.
- 4
No Pressure. Ever.
I give you the information you need to make a decision you’re confident about. If you want time to think, take it. The quote will still be there.
- 5
I Handle the Paperwork
From application to approval, I walk you through every step. If there’s a question during underwriting, I’m the one who deals with it — not you.
Ready to See What You Actually Qualify For?
One call. Real rates from multiple carriers. No obligation. Most people are covered within a week of their first conversation with me.
Get a Free Quote →Mon – Fri, 9am – 6pm ET
What Does Term Life Insurance Actually Cost?
Rates below are approximate monthly premiums for a $500,000 20-year term policy for a healthy non-smoking male. Women typically pay 20–30% less. Your exact rate depends on health history — call or get a quote online for your specific number.
| Age | Banner Life | Transamerica | Protective Life | Prudential |
|---|---|---|---|---|
| 25 | ~$19/mo ★ | ~$21/mo | ~$20/mo | ~$23/mo |
| 30 | ~$22/mo ★ | ~$24/mo | ~$23/mo | ~$26/mo |
| 35 | ~$28/mo | ~$27/mo ★ | ~$29/mo | ~$31/mo |
| 40 | ~$40/mo | ~$39/mo | ~$38/mo ★ | ~$43/mo |
| 45 | ~$63/mo | ~$61/mo | ~$59/mo ★ | ~$68/mo |
| 50 | ~$98/mo | ~$95/mo ★ | ~$97/mo | ~$108/mo |
★ Best rate shown at each age. Estimates for male non-smokers in preferred health. Actual rates vary. Call (646) 866-6990 for your exact number.
See My Exact Rate →
Have a health condition? You can still get covered.
Most conditions are still insurable — often at standard rates. As an independent broker I know which carriers treat your condition best. Tap yours to see real numbers.
Don’t see yours? Almost every condition has a path to coverage. Read how it works or get a free quote →
How It Works — Start to Finish
Getting covered is simpler than most people expect. Here’s exactly what happens when you work with me.
Tell Me About Your Situation
Fill out the quote form or give me a call. I ask a few questions about your age, health, and what you’re trying to protect. No personal information required to get started.
I Shop 25+ Carriers for You
I pull real rates from multiple top-rated companies and present you with your best options side-by-side. I explain the differences in plain English so you can make a confident decision.
Get Covered — As Fast as the Same Day
Once you choose a policy, I handle the application and guide you through underwriting. Many term life policies are approved the same day. You’ll have coverage in place before you know it.
What clients say on Google
Real reviews from real clients, pulled live from Google — not testimonials I picked myself.
Why an Independent Broker Beats Going Direct
Most people don’t realize that buying insurance directly from a carrier means you’re only seeing one company’s pricing. Here’s what changes when you work with an independent broker like me.
| Feature | Plan with Phil | Carrier Direct | Online Marketplace |
|---|---|---|---|
| Compares 25+ carriers at once | ✓ | ✗ | ✓ |
| Personal advice from a licensed agent | ✓ | Varies | ✗ |
| Same agent every time you call | ✓ | ✗ | ✗ |
| No high-pressure sales tactics | ✓ | Varies | Varies |
| Handles underwriting questions on your behalf | ✓ | ✗ | ✗ |
| Specializes in life & disability insurance | ✓ | Varies | ✗ |
| Free service — no broker fee | ✓ | ✓ | Varies |
Work With Phillip — It’s Free →
Free tools to find the right life coverage
No personal info needed — get a ballpark in under a minute.
Will I likely qualify?
Answer two quick questions and we’ll point you to the path that fits your situation — then take you straight to it.
- Lowest cost per dollar
- Largest coverage amounts
- No medical exam
- Fast approval
- No health questions
- Can’t be turned down (within age limits)
Still not sure? Talk to Phil — (646) 866-6990
This is guidance, not a guarantee of approval. Coverage amounts are typical examples and vary by carrier.
Term, whole, or no-exam — see how they stack up
The honest differences, side by side. Each path’s strong suit is highlighted.
| Most popular Term life Affordable protection for a set period | Whole life Permanent coverage that builds value | No-exam Skip the bloodwork and the wait | |
|---|---|---|---|
| Cost | Lowest cost per dollarBest value | Highest — it’s permanent | Slightly higher than fully underwritten |
| Coverage length | 10–30 years (a set term) | LifelongNever expires | Term or whole, by carrier |
| Cash value | None | Builds over timeGrows equity | Depends on the type |
| Medical exam | Often required (no-exam options exist) | Usually required | NoneNo needles |
| How fast you’re covered | Days to weeks | Days to weeks | Days — sometimes minutesFastest |
| Premium | Locked in & level for the term | Level for life | Varies by carrier |
| Best for | Income replacement, a mortgage, or the years you’re raising kids | Lifelong protection, final expenses, or leaving a legacy | Healthy applicants who want speed — or would rather skip the needle |
| See real quotes →Term vs whole life guide | See real quotes →Whole life guide | See real quotes →No-medical-exam guide |
Frequently Asked Questions
Straight answers to the questions I hear most often.
How much life insurance do I actually need?
A common starting point is 10–12 times your annual income, but the right amount depends on your debt, dependents, income replacement needs, and goals. I help you calculate the right number in one conversation.
What’s the difference between term and whole life?
Term life covers you for a set period (10–30 years) at a fixed, affordable premium. Whole life is permanent coverage that builds cash value over time. I’ll help you understand which one — or which combination — makes sense for your situation.
Why do I need disability insurance?
You’re 3–5 times more likely to become disabled than to die during your working years. If you were unable to work for 3 months, 6 months, or longer — could your family cover the bills? Disability insurance protects the income that everything else depends on.
Can I get covered with a pre-existing condition?
Often, yes. Different carriers underwrite health conditions differently, and many conditions that disqualify you at one company are accepted at standard rates at another. I know which carriers are most favorable for which conditions.
Is there a fee to work with you?
No. My services are completely free to you. I’m compensated by the insurance carrier when you purchase a policy, which means my only incentive is helping you find the right fit — there’s nothing to gain from steering you wrong.
How long does the application process take?
Many term life insurance policies can be approved the same day through accelerated underwriting — no medical exam required. Policies requiring a medical exam typically take 4–6 weeks. I’ll let you know what to expect upfront.
Do I need to come to an office to work with you?
No. Everything can be done over the phone or by email. I work with clients across New York and nationwide. The entire process from quote to coverage can happen without a single in-person meeting.
What if my needs change after I buy a policy?
That’s exactly why working with a personal broker matters. When life changes — marriage, a new child, a home purchase, a job change — I’ll review your coverage and make sure it still fits. I’m available to my clients for the life of the policy, not just the sale.
Your Coverage Starts with One Conversation.
Call me directly or fill out the quote form. I’ll compare 25+ carriers, explain your options in plain English, and help you get covered — no pressure, no obligation.
Independent Agent · Licensed in New York · 25+ Top-Rated Carriers · No Broker Fee