- What it does
- Pays a benefit to your family if you die during a chosen period of years.
- Often fits when
- While children grow up, a mortgage runs, or your income carries the household for a set stretch of years.
- How long
- A fixed term you choose
- Cost shape
- Generally the lower monthly cost for the same amount
A new chapter in the U.S.
Life insurance in the U.S. In your language.
Recently moved to the U.S.? Understand your family's life insurance options in English, Russian or Ukrainian. Start with a conversation.
Request a free 15-minute callCompare the options
A conversation. No obligation to buy.
Leave your contact details. We'll follow up to arrange the conversation.
Your first conversation
1
Tell us what matters to you
Your family, your responsibilities, your questions.
2
We check possible availability
Your state and situation come first.
3
Understand your options
What each covers, what it may cost and what to ask next.
Leave with a clearer next step.
Free · 15 minutesINSUR LIVE LLC — licensed insurance agency, Miami, FL
Start with what you want to protect.
You don't need to choose a policy before we talk.
Not sure? Start with a conversation.No quiz. No need to have the answers yet.
A personal perspective
A familiar language. A human conversation.
I'm Gennadii Zolotov, founder of INSUR LIVE. I moved to the U.S. myself and built this practice for families who want straight answers in their own language.Gennadii Zolotov, CPRIA
Founder of INSUR LIVE · insurance advisor
Chartered Private Risk and Insurance Advisor (CPRIA) · Private Risk Management Association
Let's talk it through.
Tell us how to reach you. A licensed agent will contact you within one business day, in your preferred language.
No documents needed to start. You can decide what comes next.
Your questions. Your pace. Your decision.
1
We show options. You make the choice.
2
Ranges, not promises — the carrier sets the final price.
3
Saying "not now" is a fine answer.
4
Your language — English, Russian, Ukrainian.
Common questions
What happens on the free call?
We discuss what you want to protect, check potential availability and explain possible next steps. You do not have to apply.
Can I explore coverage if I recently moved to the U.S.?
Often, yes. Carriers differ in how they treat residency status and U.S. history — we check this first.
Do I need to decide or apply on the call?
No. You can ask questions, compare options or choose not to proceed. A contact request is not an insurance application.
What affects the cost?
Age, medical history, tobacco use, the type and duration of coverage, and the coverage amount can affect cost. The insurer sets the final price after reviewing your application.
What is the difference between term and permanent life?
Term life covers a defined period. Permanent life is designed to last your lifetime if policy requirements are met, and generally costs more.
Is income protection the same as life insurance?
No. Disability income insurance can replace part of your income if a covered illness or injury prevents you from working. Life insurance pays a benefit after an insured person dies, subject to the policy.
This is an advertisement for life insurance. Insurance products are offered through a licensed insurance agent of INSUR LIVE LLC, a licensed insurance agency based in Miami, Florida. Coverage, availability and price are subject to the insurance carrier's underwriting and approval and are not available in all states. Nothing on this page is an offer of coverage or a guarantee of approval. We do not give tax or legal advice.