You already protect your clients’ homes, cars and businesses. Lion’s Ascent helps you protect their income, mortgage payment and family, starting with one 90-day pilot measured in your own numbers.
| Covered by your agency | |
| Dwelling | Covered |
| Auto, 2 vehicles | Covered |
| Personal liability / umbrella | Covered |
| Not on this declarations page | |
| Mortgage payment if an earner dies | Not covered |
| Income if an earner can't work | Not covered |
| Accident and hospital costs | Not covered |
Independent agencies sit on the relationships life and health carriers spend heavily to find. The hard part has always been the work: licensing, carriers, training, scripts and follow-up. That’s the part we take on.
Answer the protection questions your clients already ask, instead of sending them somewhere else.
Your brand, your client relationship and written terms on who services what.
A 90-day pilot shows bookings, applications and placed policies before you commit further.
One trigger, one product line, one consented group of clients. Small enough to run cleanly, big enough to show whether it works for your agency.
We pick the trigger (a new homeowners policy, for example), the product and the client group, and confirm licensing.
Clients opt in to a free protection review at bind or renewal. Licensed producers run the review under your brand.
Reviews booked, applications, placed policies. You choose Offer A, Offer B, or exit on terms agreed up front.
Your producers get licensed, trained and contracted to write Life & Health under your agency.
Our licensed specialists serve your clients under your brand, by appointment and with the client's consent.
Each desk is matched to a moment your agency already has with clients. Later phases open once earlier ones are running well.
| Desk | Phase | Trigger in your agency | What clients get |
|---|---|---|---|
| Homeowner protection | Pilot | New homeowners policy, refinance, renewal | Mortgage protection and term life reviews |
| Accident desk | Pilot | Auto bind, added driver | Simple accident and AD&D coverage |
| Family & final expense | Phase 2 | Renewal reviews, long-tenured households | Term, permanent and final expense options |
| Business owner desk | Phase 2 | BOP, GL and commercial auto renewals | Key-person, buy-sell funding, voluntary employee benefits |
| Retirement & legacy | Phase 3 | High-value homeowners, umbrella clients | Referral to a vetted senior specialist for annuity and permanent life planning, subject to suitability |
| Medicare desk | Separate | Clients approaching 65, with permission to contact | Certified specialists working under CMS rules |
We would rather tell you no on a 20-minute call than six weeks into contracting.
These are not sentiments. Each one is a clause, and the agreement has to make it true before you sign.
Through a licensed, contracted arrangement. Compensation depends on your state, your licensing and carrier contracts, so exact terms come in a written proposal after the fit call, not on a website.
Under Offer B, your team asks clients one consent question at bind or renewal. Under Offer A, producers complete licensing and set aside scheduled time for life and health reviews.
No. Every agreement carries a written non-solicit on your P&C business.
You own the relationship. The agreement spells out who services in-force life and health policies, and that is settled before you sign.
No. On the fit call we check your existing contracts for exclusivity or release terms, and tell you if anything would conflict.
Only contact details for clients who booked a review. We don't ask for bulk lists, and we don't take health information from your systems.
Specialists carry their own E&O. Under Offer A, we confirm your policy covers life and health lines before the first sale.
No. That's why it starts as a 90-day pilot. You see bookings, applications and placed policies before deciding anything further.
It's a separate desk run under CMS rules, outside the pilot.
You exit at the end of the pilot under terms agreed before you sign, covering in-force policies, servicing and client records.
No pitch deck and no pressure. We look at your agency’s lines and team and tell you whether a pilot fits. If it doesn’t, we’ll say so.
Request a fit call