Secure

Your Future

Protecting Your Loved Ones with Reliable

Life Insurance Solutions, and Tax Free Strategies

Michael Faugno - National Producer Number (NPN) #20461105

When you reach out to us, you’ll work directly with me—not a junior advisor, assistant, or call center rep. I personally guide every client through the life insurance process, because I believe your family's financial protection deserves my full attention.

I’ve helped hundreds of families secure coverage that fits their needs and budget. Whether you're looking for peace of mind, legacy planning, or just finally getting this off your to-do list, I'm here to make the process simple, clear, and stress-free.

Your future deserves a personal touch—and that's exactly what you'll get.

Indexed Universal Life Insurance (IUL)

Enjoy flexible premiums and coverage with Indexed Universal Life Insurance, offering long-term protection and potential cash value growth.

Fixed Indexed Annuities

Earn market-linked growth with no risk of losing your principal, and generate lifetime income.

Final Expense Insurance

Ease the burden on your family during difficult times with Final Expense Insurance, covering funeral and other end-of-life expenses.

Get Your Free Quotes

I work directly with top life insurance carriers like - Mutual of Omaha, Transamerica, Corebridge, Allianz, AFLAC, American Amicable, Lincoln Financial, and more.

Term Life Insurance

Affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.

Testimonials

Michelle P

"I had been putting off getting life insurance because the process always seemed overwhelming and confusing. But working with Michael made everything simple and stress-free. They took the time to explain my options clearly, answered all my questions, and helped me find a policy that fits my family's needs and budget. Now, I feel so much better knowing that my loved ones are protected if anything ever happens to me."

Joey V

"Finding the right life insurance policy was something I kept avoiding, but Safe Harbor Life made it incredibly easy. They were professional, patient, and genuinely cared about finding the best plan for my situation. Within a few days, I was approved for a great policy that gives me peace of mind. I can’t thank them enough for guiding me through this — I feel like a huge weight has been lifted off my shoulders."

Frequently Asked Questions

Common Questions Answered for your convenience.

What types of life insurance do you specialize in?

We offer a range of life insurance options to fit different needs, goals, and budgets. These include:

Term Life Insurance – Affordable coverage for a set period (10, 20, or 30 years). Great for covering things like a mortgage or income replacement.

Whole Life Insurance – Permanent coverage that builds cash value over time. A good choice if you want lifelong protection and a savings component.

Final Expense Insurance – A smaller, simplified policy designed to cover funeral costs and end-of-life expenses. Ideal for seniors or those looking for basic coverage.

Universal Life Insurance – Flexible permanent coverage with adjustable premiums and the potential to grow cash value.

Fixed Indexed Annuities – Earn market-linked growth with no risk of losing your principal, and generate lifetime income.

Can I get life insurance if I have health issues?

Yes — in most cases, you can still get coverage even if you have existing health conditions. I work with a wide range of insurance carriers, many of which specialize in offering policies to people with medical histories like diabetes, high blood pressure, or past surgeries.

We’ll talk through your situation confidentially, and I’ll help you find the best policy available for your health profile. In some cases, guaranteed issue or simplified policies may be the right fit.

Is life insurance expensive?

Life insurance is often more affordable than people think, especially if you’re relatively young and healthy. Term life insurance, for example, can cost as little as a dollar a day for hundreds of thousands in coverage.

The key is finding the right type of policy for your needs and budget. I work with multiple top-rated carriers to shop the best rates for you — no pressure, no upselling. Whether you're looking for basic protection or a long-term investment option, I’ll help you get the most value for your money.

How does the process of getting life insurance work?

The process is simple and stress-free:

Quick Consultation – We’ll discuss your goals, health history, and budget to find the best policy options for you.

Get a Quote – I’ll shop from trusted carriers and present you with the most competitive rates and coverage.

Apply – You’ll complete a short application. Some policies require a medical exam, while others don’t.

Approval & Coverage – Once approved, your policy goes into effect and you’re officially covered.

I’ll guide you every step of the way and handle the paperwork so you don’t have to worry about anything.

How does the process of getting life insurance work?

The process is simple and stress-free:

Quick Consultation – We’ll discuss your goals, health history, and budget to find the best policy options for you.

Get a Quote – I’ll shop from trusted carriers and present you with the most competitive rates and coverage.

Apply – You’ll complete a short application. Some policies require a medical exam, while others don’t.

Approval & Coverage – Once approved, your policy goes into effect and you’re officially covered.

I’ll guide you every step of the way and handle the paperwork so you don’t have to worry about anything.

Do I need a medical exam to get life insurance?

Not always. Many of the policies I offer do not require a medical exam, especially for healthy individuals or for certain coverage amounts. These are known as “no exam” or simplified issue policies, and they can often be approved in just a few days.

For larger coverage amounts or specific types of policies, a quick medical exam may be required — but I’ll let you know upfront what to expect and help you schedule it at a convenient time. Either way, I work to make the process as easy and fast as possible.