What happens financially

if your income stops tomorrow?

Get a personalized Risk Assessment to identify your risks, measure the financial impact, and build a strategy to reduce, transfer, or eliminate them.

  • Identify coverage gaps that could leave your loved ones financially exposed

  • Learn how to protect your income, not just your life

  • Clear, expert guidance with zero pressure

Davion Daye

Sr. Risk Management Advisor

Who You're Working With

My team and I serve families, professionals, and business owners earning $100K+ in all 50 states. We help you protect the business or life you've worked hard to build.

Our approach goes beyond traditional life insurance. We focus on doing three things:

1. Identify hidden risks

2. Measure the potential financial impact

3. Design & Implement strategies that protect your income, assets, and long-term goals.

Most people we speak with aren’t sure if they’re actually protected—they just assume they are through their job. That’s why our goal is simple; make this process easy, accessible, and tailored to your situation. Expert guidance you can trust.

When the risk becomes clear, the solution becomes obvious. Takes less than 5 minutes to get started today.

We Work with Leading Insurance Companies

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How We Support Your Goals

Our Risk Assessment Strategy Session is designed to give you clarity, direction, and confidence about your coverage. Each session is personalized to your family situation, financial goals, and budget—so you know exactly what to focus on for real, meaningful protection.

Risk Exposure Analysis

Thoroughly review your unique circumstances to identify the most suitable coverage options for your future security.

Personalized Protection Strategy

Get professional guidance on selecting the right policy types tailored to your financial goals and personal needs.

Income-Based Planning

Customize your life insurance plan to match your budget while ensuring comprehensive protection for you and your family.

Before You Buy Any Policy... Read This

Our Risk Assessment Strategy Session gives you clarity before you take your next step. You’ll gain a clear understanding of your coverage needs and risks — without committing to a policy or long-term contract.

This consultation helps you see the full picture upfront, so you know exactly where to focus your budget and protection planning. You’ll walk away with clear recommendations, realistic expectations, and confidence in your next steps.

Protect Your Income

Not Just Your Life

Before we talk about any specific policies, I will show you the framework we use with every client to protect their financial life. Our role is simple, help you identify the financial risks that could derail everything you’re working toward and then design strategies to reduce, manage or eliminate those risks.

You’ll be guided through a straightforward process that respects your time and your financial goals. With clear explanations, personalized recommendations, and transparent pricing, you can move forward feeling confident and informed about your next steps.

This is Designed for You If...

This isn’t for everyone, it’s designed for individuals who are serious about protecting their income, their family, and their future.

Families

Families Building and Protecting Their Future.

You want to make sure your loved ones are financially secure—no matter what life throws your way.

Business Owners

Business Owners Managing Real Financial Risk.

You’re responsible for more than just yourself—and need a strategy that protects your business, income, and legacy.

High-Income Professionals

High-Income Earners Who Want to Protect Their Income.

You’re earning well, but want to ensure your income and lifestyle are protected long-term.

The right strategy doesn’t just protect your life—it protects your income, your lifestyle, and everything you’re building.

Ready to get started?

We've Got You Covered

Are you primarily looking for family protection or cash accumulation?

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Final Expense

Final Expense insurance will cover you for life. Prices are locked and will never increase nor will your policy end. These types of policies are designed to make sure all funeral and other end of life expenses are covered.

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Index Universal Life

This is a type of permanent policy that allows the insured to accumulate cash value in addition to their death benefit. It can be setup to help supplement your retirement plan.

Mortgage Protection

Mortgage protection insurance is a way to protect one of your most valuable assets in the event of a death. Most terms are designed to give you a full return of premium if you outlive the policy. In the event of a death, the mortgage will be paid in full, so your family can keep the house.

Fixed Indexed Annuities

This is a safe way to participate in the market's gains while avoiding potential loses and keeping your retirement secure.

Affordable Health Insurance

Whether it's individual, family or small business owners, we got you covered. With access to over 30+ A rated carriers nationwide, including PPO, HMO and supplemental networks to choose from. Pay for ONLY what you need.

We Partner With Top Insurance Carriers

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Still have questions? You’re not alone.

Frequently Asked Questions

I already have life and disability insurance, do I still need this?

Yes. Most people have some level of coverage, but they’re not always sure if it truly protects their income, family, or long-term goals. This session helps identify any gaps and ensures your current plan is actually working the way it should.

Is this going to turn into a sales pitch?

No. The goal of this session is to give you clarity and peace of mind. We’ll walk through your current situation, identify any potential risks, and map out your options. If you find value in implementing a recommendation, our team will guide you through the process—but the decision is always yours.

How much does it cost?

The consultation and risk assessment cost $0.00. The purpose is to help you understand your risk exposure and what solutions are available to you. If you decide to move forward with a recommendation, our team will guide you through the process.

I'm busy, how long does this take?

The initial conversation typically takes about 10–15 minutes. If you find value in our conversation, you can schedule a follow-up meeting at a time that works best for you. Schedule my Free Consultation.

What makes this different from talking to any other insurance agent?

Instead of jumping straight into policies and products, our team dedicate time to connect personally with each client. We focus on first understanding your goals, identifying your life or business risk exposure then we measure the potential financial impact. Using the Financial House Framework, we complete a needs analysis and provide you with specific and tailored solutions for your situation.

I'm not ready to make a decision, should I still book an appointment?

Absolutely. This conversation is designed to give you clarity and peace of mind. Even if you’re simply exploring your options or doing research, you’ll find value in our conversation. You will have a better understanding of your current options and what steps—if any—make sense for you moving forward.

If You made it this far

Get Started for Free Today!

Take the first step towards protecting your family and apply for life insurance online with Ethos.

State License & Credentials

National Producer #: 20750403