Affordable life insurance coverage, built for families. Personalized Last Will & Testament included with every policy.
Term and whole life policies. Apply directly online in minutes.
A personalized will included at no cost with your policy.
Most applicants qualify without a doctor's visit.
Work directly with Jack Costanzo — not a call center.
Every step is straightforward — no confusing paperwork and no pressure to decide quickly.
Answer a few basic questions. Takes about two minutes with no obligation required.
Review clear, plain-language policy options. A licensed agent is available to answer any questions before you decide.
Complete your application online at your own pace. Most policies are approved the same day.
Once your policy is active, your personalized Last Will & Testament is generated and sent to you at no additional cost.
Our guided will builder walks you through each question step by step. Most people complete it in under 10 minutes.
Select an option below to get started quickly.
A free quote takes two minutes. Your Last Will & Testament is included with every policy at no extra cost.
Available to residents of New Jersey and Delaware only. Get an estimated rate in seconds, then complete your full application — reviewed and submitted by a licensed agent.
All plans are underwritten by American Benefit Life Insurance Company. No medical exam required — approval is based on a short health questionnaire.
This is the plan most FamilyGuard clients choose — and for good reason. SIWL provides lifelong coverage from the day your policy is issued. Your premium is locked in permanently and never increases, and your coverage never runs out regardless of how long you live. Unlike term insurance, you never have to worry about your policy expiring and leaving your family unprotected.
Make premium payments only until age 65. After that your policy is fully paid up and coverage continues for the rest of your life with no further payments required. A strong choice for those who want to eliminate insurance payments by retirement.
Pay premiums for exactly 20 years. After that your policy is completely paid off and lifetime coverage remains in force with no further payments — ever. Builds cash value faster than standard whole life policies.
Simplified whole life coverage without additional rider benefits. Provides permanent, lifelong protection at the most affordable base premium for those who want straightforward coverage without optional add-ons.
Answer a few quick questions to see your estimated monthly premium.
We are licensed in NJ and DE only
Rates differ for male and female applicants per Liberty Bankers schedule
Underwritten by American Benefit Life Insurance Company, a member of Liberty Bankers Insurance Group.
No medical exam required. Coverage based on health question answers.
Face amounts from $5,000 to $100,000.
Simplified Whole Life (SIWL) — coverage for your entire lifetime.
Optional riders: Child, Grandchild, AD&D, Waiver of Premium.
Pay by bank draft or debit/credit card.
Work through each section at your own pace. Your information is kept private and used only to generate your document.
Please enter your full legal name as it appears on your identification. This will appear on your official will document.
Required to validate your document
Your current legal address
Select the option that best describes your current situation. This helps us structure your will correctly.
Select all that apply. You do not need exact values — approximate information is fine at this stage.
Name the people who will receive your estate and the person responsible for carrying out your will.
This person receives your estate if you pass away first.
Receives your estate if your primary beneficiary is unable to.
This person carries out the instructions in your will and distributes your assets.
The person who would care for your children if both parents were to pass away.
These fields are optional but encouraged. Your answers help ensure your wishes are clearly documented.
You may direct a portion of your estate to a charity of your choice.
A summary of your document will be sent here. Your email is never shared.
Your answers have been recorded. To receive your official document, choose an option below.
Your personalized Last Will & Testament will be generated and emailed to you instantly upon payment.
Simple, honest advice on protecting your finances, your family, and your legacy. No jargon — just what you should know.
Probate is the legal process a court uses to distribute your assets after you pass away. If you die without a will, the court decides who gets what — and it may not reflect your wishes. Even with a will, probate can take months or years and cost your family thousands in legal fees. Assets like life insurance policies and retirement accounts with named beneficiaries bypass probate entirely, which is one reason they are so valuable.
A will is not just for the wealthy. It is the only legal document that lets you decide who raises your children if something happens to you, who receives your belongings, and how your final wishes are carried out. Without one, state law makes those decisions — and the outcome may not be what your family needs or expects.
A will that no one can locate is the same as no will at all. Store the original in a fireproof safe or with your attorney. Give a copy to your executor and let your closest family members know where it is. Do not store it in a safety deposit box alone — banks may restrict access after death before the will is even reviewed.
Life insurance premiums are determined primarily by your age and health at the time of application. The younger and healthier you are, the lower your rate — and that rate is locked in for the life of your policy. Waiting even a few years can significantly increase what you pay. The best time to apply is always now.
Life insurance pays directly to whoever is named as your beneficiary — it does not go through your will. This means an outdated beneficiary designation can override your wishes entirely. Review your beneficiaries after marriage, divorce, the birth of a child, or the death of a named beneficiary.
Read your policy and ask your agent to walk you through the key provisions — including any exclusions, the contestability period (typically two years), and how claims are filed. Your beneficiaries should know the policy exists, where it is kept, and how to contact the insurance company if something happens to you.
Retirement accounts pass directly to whoever is named as beneficiary on the account — not according to your will. Many people do not realize this, and it can lead to unintended outcomes. Make sure the beneficiary designations on your 401k, IRA, and any pension are up to date and consistent with your overall estate plan.
Compound interest rewards patience above all else. Someone who starts contributing $100 per month at age 25 will retire with significantly more than someone who contributes $200 per month starting at 40 — even though the late starter contributed more total dollars. Time in the market matters more than the amount invested.
When someone passes away, their family often cannot access online bank accounts, email, or financial platforms without their login credentials. Create a secure, private document listing your important account usernames, passwords, and PINs. Store it with your will in a fireproof safe — not on your phone or computer where it could be accessed by others or lost.
For your own daily security, use a trusted password manager such as 1Password or Bitwarden. These tools generate strong, unique passwords for every account and store them securely. Never reuse the same password across multiple accounts — if one account is compromised, all of them become vulnerable.
Your digital life — email accounts, social media, cloud storage, cryptocurrency, and online subscriptions — is part of your estate. Without a plan, these assets can be lost or inaccessible forever. Many platforms now offer a "legacy contact" or "inactive account" setting. Take five minutes to set these up and document your digital accounts alongside your other important papers.
Before investing or purchasing additional coverage, make sure you have three to six months of living expenses saved in an easily accessible account. This fund is your financial safety net — it prevents you from going into debt or cashing out investments when an unexpected expense arises. Keep it in a high-yield savings account separate from your everyday checking.
Marriage, divorce, a new child, a home purchase, the death of a family member, or a significant change in income — each of these events should prompt a review of your insurance coverage, beneficiary designations, will, and savings plan. What made sense at 25 may not be appropriate at 45.
Your credit score affects your ability to borrow money, rent an apartment, and in some cases qualify for certain financial products. Check your credit report for free once per year at AnnualCreditReport.com. Dispute any errors promptly. Consider placing a credit freeze if you are not actively applying for new credit — it is free and prevents unauthorized accounts from being opened in your name.
One of the most important things you can do for your family is have an open conversation about your wishes, your finances, and where important documents are located. Many families avoid this topic and are left scrambling at the worst possible time. A brief, calm conversation today can prevent significant stress and confusion later.
A durable power of attorney allows someone you trust to manage your financial and legal affairs if you become incapacitated. Without one, your family may need to go through a lengthy court process to gain the authority to act on your behalf — even for simple tasks like paying your bills. This is a legal document that requires an attorney to prepare, but it is one of the most important protections you can have in place.
Life insurance is one of the most efficient ways to leave a financial legacy. A relatively small monthly premium can result in a significant, tax-free death benefit paid directly to your beneficiaries — often within days of a claim being filed. For families without significant assets, life insurance may be the single most impactful financial decision they can make.
Get a free life insurance quote and receive your personalized Last Will & Testament — both in one place, with guidance from a licensed local agent.
Independent, licensed, and built around one goal — making life insurance and estate planning simple and accessible for every family.
Jack Costanzo grew up watching his grandfather, James F. Sherlock, build a career in life insurance spanning over 50 years. As James steps into retirement, Jack has taken on that work, writing business under his grandfather's direct guidance and carrying forward the values James built his reputation on: honesty, reliability, and putting families first.
FamilyGuard Insurance & Planning was created to make that mission more accessible. Jack has brought the process online so families can get the coverage they need, understand their options clearly, and take action without confusion or pressure. When you work with FamilyGuard, you are working with Jack directly.
James F. Sherlock is the senior force behind FamilyGuard Insurance & Planning, bringing over 50 years of experience in the life insurance industry. As the founder of James F. Sherlock Insurance Inc. in Wilmington, Delaware, James has spent his career building lasting relationships with hundreds of families and helping them secure their financial futures.
Over five decades James has guided clients through every stage of life, from young families purchasing their first policy to individuals planning their estates and protecting their legacies. His depth of knowledge, steady counsel, and commitment to putting clients first has earned him a reputation built entirely on trust and results. His experience and oversight bring an unmatched level of credibility to every policy written under the FamilyGuard name.
License numbers and regulatory details are available upon request. FamilyGuard Insurance & Planning operates under the agency of James F. Sherlock Insurance Inc.
Every policy is explained in plain language. No hidden fees and no confusing fine print.
We work for you. We find the plan that fits your life and your budget.
Apply online, by phone, or by email. We work around your schedule.
Your free will is one example of how we go beyond what a standard agent provides.
FamilyGuard Insurance & Planning is an independent life insurance agency. Jack Costanzo is licensed to sell life insurance in New Jersey and Delaware. This website does not constitute a binding insurance contract. Coverage is subject to underwriting approval and carrier terms. The will document provided is a guided structural tool and does not substitute for advice from a licensed attorney.