Life Insurance Solutions for Families Across 22 States

Compare Final Expense, Term Life, Whole Life, Indexed Universal Life, Mortgage Protection and other life insurance options with a licensed independent life insurance agent. Availability, premiums, benefits and underwriting depend on the carrier, product, state, age, health and eligibility.

Insurance Products

Final Expense Insurance — helps cover funeral and end-of-life costs.
Term Life Insurance — 10, 20 or 30-year protection for income and mortgage.
Whole Life Insurance — permanent coverage with cash value.
Indexed Universal Life (IUL) — permanent coverage with index-linked cash value growth potential.
Mortgage Protection — helps your family keep the home.
Annuities — retirement income options.

States We Serve

View all 22 states we serve

About Joe Cardenas

Joe Cardenas is a licensed independent life insurance agent (NPN 21747963) who helps families and business owners protect income, build retirement assets, and transfer wealth using life insurance and annuity strategies. He speaks English and Spanish. About Joe · Licenses & credentials

Local pages

Novus Life Solutions · Riverside, CA · (951) 584-3496 · joe@novuslifesolution.com