Mortgage protection & IUL specialists
Life insurance for the people and plans that matter. We specialize in mortgage protection and indexed universal life, with final expense coverage and infinite banking strategies for your broader goals.
Independent guidance. Personal connection.
Blue Crest Life Group is an independent life insurance agency founded by Joshua Wilkerson. Our two specialties are mortgage protection and indexed universal life (IUL).
Whether you’re protecting the family home or exploring long-term cash value, we explain the options, costs, and tradeoffs in plain language. We also help with final expense coverage and infinite banking strategies when they fit your goals.
We compare available options across multiple carriers, based on your needs, budget, eligibility, and state. Consultations are available virtually in states where we are licensed.
Our two specialties
Two starting points, one personal conversation about what fits your life.
01 / Protect the home
Life insurance that helps give your family financial breathing room if you pass away. The beneficiary may use the proceeds for mortgage payments, income replacement, or other household needs.
02 / Plan for the future
Permanent life insurance with a death benefit and potential cash-value growth through index-linked interest credits. We help you review the policy design, funding needs, and long-term tradeoffs.
IUL is life insurance, not a direct investment in an index. Non-guaranteed values, policy charges, loans, and insufficient funding can affect cash value and coverage.
More ways to plan
Beyond our two specialties, explore support for final expenses and strategies for using cash-value life insurance.
Help with final obligations
Permanent life insurance with a smaller death benefit that your beneficiaries may use for funeral costs, outstanding bills, or other immediate needs.
Explore final expenseCash value & policy loans
A strategy that uses cash-value life insurance, commonly participating whole life, and policy loans. We explain the funding commitment, loan interest, and ongoing management involved.
Explore infinite bankingWhat you can expect
Your goals come first. Clear explanations and personal service follow.
Your family, income, budget, and long-term priorities shape the starting point.
We walk through coverage types, tradeoffs, and carrier requirements so you can make an informed decision.
Joshua’s office is here to answer questions as you compare coverage and as your needs change.
Carrier access
Established carriers currently available through Blue Crest Life Group. Availability varies by state, applicant, product, and underwriting.
No. Homeowners insurance generally protects the property. Mortgage protection commonly uses life insurance to help provide money to a beneficiary if the insured dies.
IUL is permanent life insurance with a death benefit and potential cash-value growth through index-linked interest credits. It is not a direct market investment; charges and policy terms affect its value.
No. Infinite banking is a strategy involving cash-value life insurance and policy loans, commonly with participating whole life. IUL is a type of policy with different crediting and funding rules. Loans accrue interest and require careful management.
Possibly. Eligibility depends on the carrier, product, age, health history, state, and underwriting. We help you understand the options available for your situation.
A conversation is the first step
