Protect what matters.
Understand how.
Life insurance should start with a better question, not a sales pitch. Learn the basics, think through your options, and ask for help only when you want it.
01 / THE IDEA
PROTECTION IS A FORM OF CLARITY
A plan isn't there to make life predictable. It's there to make the uncertain less disruptive.
At THE ASSET DEFENDER, we believe good financial decisions come from structure, not pressure. Life insurance is one part of that structure: a way to help protect the people who count on you. We'll help you understand the moving pieces before anyone asks you to choose.
A SIMPLER WAY FORWARD
Three steps.
One at a time.
01
Get oriented
Understand what term and whole life are built to do—and what they aren't.
02
Find your starting range
Use a straightforward worksheet to frame a conversation, not a final recommendation.
03
Ask for exactly what you need
Keep learning, ask the AI guide a general question, or reach a licensed human when you're ready.
How it works
Four steps. All of them
happen on your phone.
A few quick questions
Your state, a ballpark coverage amount and how long you need it. No pitch, no pressure.
Plain-English basics
How term and whole life work, and what drives price, so you know what you're looking at. Education, not a recommendation.
See live carrier quotes
Compare real quotes from top-rated carriers in about a minute. Estimates only; nothing is applied for yet.
Derek or Cody signs off
A licensed agent reviews your choice by text before you apply on the carrier's secure e-app, and stays your agent of record. No phone call needed.
Our assistant explains.
Our agents recommend.
The AI guide is here to answer questions and remove friction, fast. The moment it becomes "here's what makes sense for you," that comes from Derek or Cody, by name, tied to their license.
And you never have to get on a call. Quotes, questions, agent review and your application can all happen by text. The one exception: if your carrier needs a paramedical exam or bloodwork, you'll coordinate that directly with the exam company, and in many cases they come to you at home or work.
Two ways to protect.
Different jobs to do.
01 / A DEFINED CHAPTER
Term life
Coverage for a set number of years. Often a practical starting point when the big need has an end date—children growing up, a mortgage getting paid down, or income that others rely on.
- Selected term, often 10, 20 or 30 years
- Generally no cash value
- Often lower initial cost for comparable coverage
02 / A LONGER HORIZON
Whole life
Designed for lifelong protection while required premiums are paid, with a cash-value component under policy terms. It usually means a higher premium commitment.
- Permanent design, subject to policy terms
- Cash value may build under the contract
- Requires careful review of guarantees and costs
This is a general comparison, not a recommendation. Features and costs depend on the actual policy and insurer.
If something happened to you tomorrow, would your family be financially prepared?
Your income may stop, but the mortgage, monthly bills, and everyday expenses won't. See how much life insurance your family might need to maintain their lifestyle, cover financial obligations, and protect the future you're building for them.
i No rate quotes, no application, and no data sent to us. Your numbers stay in this browser.
Debts + (income support × years) + other needs − available resources. A directional exercise only; it does not account for inflation, taxes or future changes.
Have a question?
Start there.
Our AI guide can explain general life-insurance ideas in everyday language. It doesn't quote rates, recommend a specific policy, or replace a licensed agent.
Have a question? Start there.
Two minutes of tapping.
Then a real person takes it from there.
Our AI guide answers the quick questions in plain English and gets you to live quotes fast. It's always upfront that it's AI, and it never recommends a policy. That part is Derek's or Cody's job.
- Answers from a library our agents wrote and reviewed
- Never asks for your SSN, health history or payment info
- Hands you to a licensed agent the moment it's personal
- No phone call required. Your agent works with you by text
Prefer a real person? Text (512) 256-6314. No phone call required.
Tap an answer
General information only, not a recommendation. Please don't share medical, payment or ID details in chat.
Get a quote
Rather see numbers first?
Start here.
Tell us who you are, confirm you'd like to quote, and you'll go straight to live term life quotes from top-rated carriers.
- 1Your basicsName, contact info and state. About 30 seconds.
- 2Live quotesCompare real carrier estimates on the next page. Final rates depend on underwriting.
- 3Agent review, then applyDerek or Cody, depending on your state, reviews your choice by text before anything is submitted, and you apply on the carrier's secure e-app.
Your agents
Real names. Real licenses.
Every policy.
The Asset Defender is presented by Retirement Wealth Professionals, a Texas-based firm. Every quote you choose to apply for is personally reviewed by one of these two licensed agents (Derek in his twelve states, Cody everywhere else), and they'll work with you by text.
Derek Barmore
COO · Licensed life & annuity agent
Derek handles most quote reviews and applications on this site. He'll be the one texting you about your numbers.
AL · AZ · CO · FL · LA · MI · MN · OH · SC · TX · VA · WA
Cody Crawford, RICP®
CEO & Advisor · Licensed life & annuity agent
Cody leads Retirement Wealth Professionals and steps in when your situation calls for a broader retirement or income conversation.
*Georgia renewal in progress
You can verify any agent's license through the NIPR lookup or your state's department of insurance.
THE ASSET DEFENDER
FIELD GUIDE 01
A clearer way
to protect
what matters.
A field guide for
the questions ahead.
Our free, plain-English guide walks through coverage needs, term versus whole life, questions for an agent, and the details worth understanding before you apply.
PDF · Read in about 12 minutes · No obligation
Answers without the fine-print voice.
The questions people actually ask, answered directly.
Do I need a phone call to get started?
No. Read, use the worksheet, or ask the AI guide a general question. If you want personal recommendations or real carrier options, request a licensed professional. You choose whether to have a conversation.
How much does term life cost?
It depends on age, health, coverage amount, term, state, carrier and underwriting. We will not invent a rate or promise approval. An agent can help with actual available options.
Is whole life better than term?
They solve different jobs. Term is typically used for a defined period and often costs less initially for comparable coverage. Whole life is designed for permanent coverage and includes cash value under its policy terms, usually at a higher initial cost.
Can I get coverage with a health condition?
Possibly, but it depends on the insurer and underwriting. Do not put medical details in this chat. A licensed agent can discuss what information a carrier needs through secure channels.
Are you an insurance company?
No. THE ASSET DEFENDER is an educational experience presented by Retirement Wealth Professionals. Insurance is issued by a carrier, subject to its terms and approval.
What happens after I download the guide?
You receive the PDF right away. You can receive educational email according to the form consent. Text messages are only an option if you check the separate SMS box. You can unsubscribe or reply STOP at any time.
This content is general education, not individualized financial, tax, legal, or insurance advice. No rates or eligibility are guaranteed. Policy features vary by insurer and state; a licensed agent and the carrier's contract provide the actual details. Insurance guarantees depend on the issuing insurer's claims-paying ability.
Clearer decisions for the people and possibilities you care about. An educational experience presented by Retirement Wealth Professionals.
The practical details
© 2026 The Asset Defender · Presented by Retirement Wealth Professionals
General education only. Not an insurance carrier or an offer of coverage.
The Asset DefenderPeople. Purpose. Protected.
Clearer life insurance decisions for the people you care about. Presented by Retirement Wealth Professionals.
The details
Reach a person
- (512) 256-6314
- [email protected]
- 8900 Red Bluff Rd
Pasadena, TX 77507
Insurance products are offered through Derek Barmore (NPN 15648815) and Cody Crawford (NPN 15364089), licensed life insurance agents in the following states: Derek Barmore in AL, AZ, CO, FL, LA, MI, MN, OH, SC, TX, VA and WA; Cody Crawford in all states except Georgia (renewal in progress). The Asset Defender is an educational experience presented by Retirement Wealth Professionals and is not an insurance company. Coverage is issued by the insurance carrier and is subject to underwriting and carrier approval. Quotes are estimates and not offers of coverage. Guarantees are based on the claims-paying ability of the issuing insurer.
The AI guide on this site provides general educational information only. It does not recommend products, sell insurance, or provide individualized insurance, tax, legal or investment advice. Insurance services are separate from any investment advisory services.
© 2026 The Asset Defender · Retirement Wealth Professionals