Lifestyle Life Insurance

Get the best coverage at the lowest, most competitive rates, no matter your lifestyle.

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Life Insurance

Find the plan that matches your needs. Enjoy the peace of mind that you deserve.

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disability insurance

Disability Insurance

Receive the financial protection and income security you need when injury or illness occur.

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long-term care

Long-Term Care

Access better facilities and receive the comfort and care you and your family need, when you need it.

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Make the most out of your Medicare coverage and be confident in your healthcare decisions.

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About Lifestyle Life

Lifestyle Life is an independent, full-service life, disability, Medicare and long-term care insurance agency. We aim to help underserved communities get the coverage they deserve at a price they deserve.

Our Process: 5 Simple Steps

Independent, Comparative, Competitive.


1 Needs Analysis

How much coverage and what type do I need? Everyone has a unique situation and goals! You may have a product and amount in mind but we are always available to give expert guidance and address the unknown.

2 Risk Assessment

Once you've determined with our expert guidance the type and amount of coverage you need, we will assess your risk factors before beginning the application process.

3 Compare All Options Independently

Once risk factors are determined, we research and compare all available carriers with an independent, unbiased approach to find you the most competitive offer from a top-rated company.

Once these 3 steps are complete, we will present our findings. When you are ready, we will finalize the formal application process and go through underwriting to get the policy approved.

4 Formal Underwriting Process

The formal application and underwriting process can vary based on the company and product.

Paper or online/electronic application

  • This typically involves some medical, family history and hazardous activity questions.
  • Can be completed by telephone and email in most cases.

Medical exam or face-to-face interview

  • Depending on coverage levels and type of coverage there may be a medical exam performed by an independent health professional at your home office or location of your choosing.
  • In some cases a telephone or face-to-face interview and medical questions will be conducted.
  • All of this is done at no cost to you.

Medical history report

  • The companies may require access to medical records from doctors you have seen in the past.
  • Prescription drug inquiries.
  • All this is at no cost to you.

5 Approval and Delivery of Policy

  • In some cases this can be done remotely but is often done in person.
  • Premium is paid and policy is put in place.
  • All policies allow a 30 Day Free Look where the insured has the right to return the policy if they are not satisfied.
  • Completion, you are now covered!

You are in safe hands

Enjoy financial protection that always comes with peace of mind.


Be prepared for anything and everything, on your own terms.

When you work with Lifestyle Life, you're working with a team dedicated to your well-being. Bid your insurance worries goodbye. No matter what you need or when you need it, our team is here to ensure you find the right plan with the right rates.

Ⓒ 2024 Lifestyle Life. Formerly XML Insurance Group, all rights reserved.
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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Lifestyle Life, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties' informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.