- Name
- Plain Life Solutions
- Run by
- Galubenra, LLC
- What we are
- An explainer and a connection to licensed agents
- What we are not
- An insurer, an agency or an adviser
Indexed universal life is a long-term decision, so it’s worth understanding properly. Plain Life Solutions explains how these policies work in plain English.
When you’re ready, we’ll connect you with a licensed agent in your area.
What we do
- Explain how indexed universal life works
- Translate policy terms into plain English
- Answer the questions people actually ask
- Connect you with a licensed agent, when you ask
- Stop contacting you as soon as you say so
What we don’t do
- Sell insurance policies
- Recommend a specific product or company
- Give financial, tax or legal advice
- Guarantee growth or returns
- Take applications or payments
Who runs Plain
I’m Nicholas Miller. I first looked into life insurance to start planning ahead for my wife and three kids, so they’d always be secure. Indexed universal life was what interested me, and getting a straight answer about it felt far more difficult than it should have. Plain is the clear explanation I was looking for, made for anyone who plans ahead for their family. Originally from Australia, I moved to the US in 2010.
How it works
First, read the plain version.
Start with how a policy works and what it costs. Read as much or as little as you like. Nobody calls you for reading.
Then answer a few questions.
Six quick questions about what you want the policy to do, your age and your state. Then you pick a time that works for you.
A licensed agent calls you.
One licensed agent calls you at the time you picked. The call is free, about 15 minutes, and there’s no obligation. Reply STOP to any text, or email us, and the messages stop.
Straight answers
Are you an insurance company?
No. Plain Life Solutions is a trade name of Galubenra, LLC. We don’t issue, sell or service insurance policies.
Are you an insurance agent?
No. We connect you with Vera Life Group, a licensed insurance agency. Its agents work for the agency, not for us, and may earn a commission if you buy a policy.
Is anything here advice?
No. What we publish is general information. It isn’t financial, tax, legal or insurance advice for your situation. A licensed professional can give you that.
Who will contact me?
Only if you fill in our questions and agree to be contacted, a licensed agent may call or text you about life insurance. Reading the site never puts you on a call list.
How do I stop calls or texts?
Reply STOP to any text. You can also email us at nick@plainlifesolutions.com and we’ll pass your request on to the agent.
Do I have to buy anything?
No. Agreeing to be contacted is never a condition of buying anything, and talking to an agent doesn’t commit you to a policy.
What do you do with my details?
We use them to connect you with an agent and to keep a record of your consent. Our privacy policy sets out the whole of it.
Is indexed universal life right for me?
It suits some plans and not others, and the answer depends on your age, income and goals. A licensed agent can look at your situation with you.
Are the figures on your pages guaranteed?
No. Caps, participation rates and charges aren’t guaranteed and can change, and they differ from one policy to the next. A licensed agent can show you an illustration for a real policy.
Questions? Write to us.
Easiest by email.