Most people avoid life insurance because it feels complicated or salesy. I built this practice around one principle: real advice, zero pressure, and a plan that actually fits your life — not a quota.
I designed this practice around one belief: you deserve complete honesty about what policies do, what they cost, what the risks are, and whether they're right for you.
I start every conversation by listening — not pitching. Your age, health, income, and goals shape everything. If a product isn't a fit, I'll be the first to say so. My reputation depends on honesty, not volume.
Premiums can change. Cash value isn't guaranteed on every product. Some policies lapse without funding. I cover all of it before you sign — no fine print surprises, no misleading illustrations.
We run real numbers together — cost of inaction, break-even timelines, projected growth, and retirement scenarios. You'll decide with data, not emotion. I'll tell you if a less expensive option serves you just as well.
At Year 1, Year 10, and retirement — I map exactly what your policy does at each milestone: death benefit, cash value, and any riders. You know what you're building, not just what you're buying.
Not sure which type is right? Here's a straightforward breakdown — with honest pros and cons on each.
If you own a business, your greatest financial risks live at the intersection of life, liability, and legacy. The right insurance strategy doesn't just protect your family — it protects your business continuity, your partners, your key employees, and decades of equity you've built.
I work with business owners, partners, and executives to implement tax-efficient strategies that accountants, attorneys, and financial advisors approve of and often recommend.
When a business partner dies without a funded exit plan, the surviving partner faces forced co-ownership with heirs — or an unaffordable buyout. A properly structured, life insurance-funded buy-sell agreement guarantees a clean, pre-agreed transition at fair market value, protecting both families and the surviving partner's equity.
What happens to your revenue or operations if a critical employee, partner, or founder suddenly dies? Key person coverage provides a cash benefit to the business — used to cover lost revenue, fund a replacement search, retire debt, or stabilize operations. Lenders and investors frequently require this before extending capital.
A tax-deductible way to reward top talent. The business pays the premium as a deductible bonus to the executive — who owns the policy, builds personal cash value, and receives a death benefit. A powerful, IRS-approved retention and recruitment tool that your CPA will recognize immediately.
For high-earning executives who've maxed qualified retirement plans, a NQDC plan funded with life insurance provides additional tax-deferred growth and retirement income. Often funded through corporate-owned life insurance (COLI).
Ensure your company survives the unexpected death of its most critical people. We design coverage structures that maintain cash flow, protect credit lines, satisfy investor covenants, and give your successors options — not crises.
Most business owners are excellent at managing operational risk. But the actuarial risk — the human capital risk — is often completely unaddressed. Business succession planning isn't just for large corporations. If you have a business partner, key employees, or significant business debt, you have exposure that a properly designed life insurance strategy can directly offset.
I bring a consultative approach to business insurance. We look at your ownership structure, revenue dependencies, partnership agreements, and retirement timeline — and build a coverage architecture that aligns with your business's financial strategy.
I work alongside your existing CPA, attorney, and financial advisor — or can connect you with trusted professionals. The goal is a coordinated plan, not a siloed one.
Four simple steps. No pressure. No surprises. Just a clear path to protecting what matters most.
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My name is Logan. I became a life insurance specialist because I saw what happened to families — and businesses — when the right protection wasn't in place. It changed my view of what this work is actually for.
I operate as an independent broker, which means I have no loyalty to any single carrier. I represent you — not a company. That independence gives me the freedom to shop the market, compare products honestly, and recommend whatever actually fits your situation.
[Trusted advisor for life insurance and annuities. I help families understand life insurance and maximize their legacy, everything explained clearly while putting my clients first. ]
I'm licensed in 23 states and stay current on carrier products, underwriting changes, and tax law as it relates to life insurance. My NPN and every state license are publicly verifiable through the NIPR.
No quotas. No single-carrier bias. Your best interest drives every recommendation.
Fully licensed and verifiable. Click any state below to view documentation.
Every consultation is free, confidential, and completely obligation-free. Always.
Personal and business expertise — from term life to buy-sell agreements and beyond.
I am fully licensed in each state below. Click any state to view my license documentation. You can also verify directly through the NIPR National Producer Database at any time.
All licenses verifiable via the NIPR National Producer Database — search by name or NPN: 19945445. Not seeing your state? Contact me — expansion is ongoing.
Schedule a free call or fill out the form. I respond to every inquiry within one business day.
509-723-9444
loganwilkonski25@gmail.com
Serving clients in 23 licensed states — remote consultations available