Your family. Your legacy. Your strategy.
Cridland Coverage Co. helps individuals, families, and business owners build lasting protection and long-term wealth through life insurance planned around your life, not a one-size-fits-all policy.
Book an Appointment Try the Calculator“A good man leaveth an inheritance to his children’s children.”
Every client starts in a different place. The foundation stays the same.
Protection
A safety net for the people who matter most to you.
Positioning
The right policy, matched to the right purpose.
Growth
Cash value that builds steadily, with downside protection built in.
Liquidity
Access to your capital when life asks for it.
Legacy
Pass wealth to the next generation, with income tax advantages.
Savannah Cridland
Founder, Cridland Coverage Co.
NPN: 20272678
Life insurance, by design.
Family Protection
Term or permanent coverage that protects the people who depend on you.
- Income replacement
- Mortgage and large debt coverage
- Asset protection
- Child riders and juvenile policies
Legacy Strategy
Policies structured to move more wealth to the next generation, on your terms.
- Generational wealth design
- Gift planning
Final Expense
Make sure your loved ones are never left with surprise costs.
- Funeral expenses
- Medical and end-of-life bills
- Outstanding debts
Business Protection
Protect your company, your partners, and your key people.
- Key person insurance
- Succession planning support
Wealth & Retirement
Tax-advantaged cash value and a retirement income strategy that works for you.
- Tax-free retirement income planning
- Infinite banking strategy
A simple path to coverage.
1. Conversation
We talk through your family, your goals, and what you want your coverage to do.
2. Plan design
We compare options across our carriers and recommend what fits your needs and budget.
3. Application
We guide you through the application and underwriting, step by step.
4. Ongoing reviews
Life changes, so we check in to make sure your plan still fits.
Carriers we work with.
We shop across top-rated carriers so your coverage is matched to your goals, not to a single company’s product.
Carrier names are trademarks of their respective owners. Product availability varies by state and underwriting approval.
Licensed in all 50 states
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Tax Free Income Calculator
See what your savings could grow to using 40 years of real S&P 500 history, with the downside taken off the table.
Balance by age
4% rule vs. policy loan potential
What can this do for me?
Trade “I hope this works out” for real numbers
Instead of a generic growth rate, your savings run through 40 real years of market history, so you can plan with something concrete.
Sleep easier in a bad market year
In any year the market ends negative, the illustration credits 0%. Your balance doesn’t go backward because of a downturn.
Growth worth getting excited about
In strong years you’re credited the market’s gain up to a 10% cap. Caps vary by carrier, so the right fit matters.
Keep more of what you’ve built
Because it lives inside a life insurance policy, retirement access can come through policy loans, which, when structured properly, are generally income tax free.
A legacy built in from day one
It’s a life insurance policy at its core, so your loved ones are protected once coverage is in force, even if your plan isn’t finished yet.
Walk into your next conversation in control
Adjust your age, retirement age, and savings to see what’s realistic, then bring real numbers to the table.
How it works: each year is matched to an actual S&P 500 price return from 1986–2025 in sequence, repeating if your timeline runs past 40 years. Returns are capped at 10% and floored at 0%, with each year’s savings added at the start of the year. The “4% Golden Rule” and “IUL Withdrawal (8%)” figures are illustrative annual amounts based on your projected balance; actual sustainable withdrawals depend on your specific plan, product, and market conditions. This is a hypothetical, educational illustration, not a guarantee of future performance, and is not tied to any specific insurance product’s cap, floor, fees, or loan terms.
Common questions.
What’s the difference between term and permanent life insurance?
Term covers you for a set number of years and is usually the most affordable way to get a large amount of protection. Permanent coverage lasts your whole life and can build cash value over time.
How does the retirement income strategy work?
Certain permanent policies build cash value, and you can access it later through policy loans or withdrawals. Results depend on the policy design, how it is funded, and how it is managed, so we walk through the details before you decide.
Are policy loans really tax free?
Loans from a properly structured policy are generally not treated as taxable income, but that isn’t guaranteed. A policy that lapses or is over-borrowed can create a tax bill, so please talk with a tax professional about your situation.
Will I need a medical exam?
It depends on the carrier, the product, and the amount of coverage. Some policies need an exam and some don’t, and we’ll tell you what to expect up front.
How long does approval take?
Timing varies by carrier and policy type, from a few days for simplified policies to several weeks for fully underwritten coverage.
Does it cost anything to talk with you?
No. A consultation and quote comparison are free and come with no obligation.
Tell us what you’re looking for.
Ready to build your foundation?
The right coverage starts with the right questions. Book a time that works for you, or call or email to get a quote.
Book an Appointment Call Now Send an EmailPrivacy Policy
Cridland Coverage Co. respects your privacy. This site doesn’t store the information you enter. When you submit the quote request form, it opens an email draft that you send to us yourself. We use the information you share by email, phone, or through scheduling only to respond to you, provide quotes, and service your coverage, and we don’t sell it. Scheduling is handled by Calendly, and our social links lead to third-party sites with their own privacy policies. The calculator runs in your browser, and the numbers you enter aren’t sent to us. Please don’t send Social Security numbers or detailed medical information through email or the form. To ask about your information, contact sav@cridlandcoverageco.com.
Terms & Disclosures
The information on this site is general and educational and is not tax, legal, or investment advice. The Tax Free Income Calculator is a hypothetical illustration based on historical index returns with a 10% cap and 0% floor. It is not a guarantee, a projection of future results, or tied to any specific product’s cap, floor, fees, or loan terms. Actual policy values depend on the carrier, product, funding, and underwriting. Policy loans and withdrawals may reduce the death benefit and cash value, and a policy that lapses or is over-borrowed can create a taxable event. Product availability and features vary by state. Carrier names are trademarks of their respective owners and are shown only to indicate carriers we work with. Please consult a qualified tax professional about your situation.