Lenny Burton, CLU

The twins came 8 weeks early.

I had the right coverage because I eventually got it right. Not because anyone walked me through it at 23. That gap is part of why this site exists.

What I have. What I believe. What I actually do.

I started in property and casualty insurance in 2019. After the twins, I moved to life insurance full time. I earned my CLU in 2024. The Chartered Life Underwriter designation is the highest professional credential specific to life insurance and requires graduate level coursework in taxation, estate planning, business insurance, and advanced underwriting concepts.

My twin boys each have a $50,000 policy with a guaranteed insurability rider, started in infancy. My house is paid for. I am building toward a practice known as the agency that helps people have a plan and a foundation for their family's future.

Education

I review every application personally. Every one.

When someone fills out the quote form, I see it. When an application is submitted, I look at it. If something needs a conversation, I have one. If it moves through cleanly, I stay out of the way. You have me on the back end, not a policy handler optimized for a quick sale.

For declined applicants and high risk profiles, that involvement is more active. I do pre submission underwriting work to understand which carriers have favorable guidelines for a specific condition before any application goes anywhere. One case required three years of documentation coordination with a carrier's underwriting department before a policy was approved. I kept working it.

For standard applicants, the process is straightforward. Quote online in about five minutes. I review it. If your health is good and the application is clean, the policy moves through. You do not need to talk to me unless you want to.

The policy pays when it should. I make sure it does.

The most common thing people say after they get covered is that they wish someone had told them how this works sooner. The second most common thing is that they thought the claims process would be a fight. For life insurance, it is not.

The family with a policy grieves and tries to get back to life. The family without one worries about money, and what to do. That contrast is the whole reason this practice exists.

Resources written from a CLU's desk, not a content farm.

Everything on this site is written from the same position: a licensed agent who works every case personally and has nothing to gain from steering you toward the wrong product.

Where to read more, watch, and connect.

I write and talk about life insurance from a parent's perspective. If you want to see how I think before we talk, start here.

Put in an application and let me do some work.

Online quote takes about five minutes. I review every one. If your situation is straightforward, it moves through cleanly. If it is complicated, that is what I am for.