Protecting Today
Securing Tomorrow
Securing Tomorrow
State licensed
Licensed in nine states. NPN 22276811.
Often no exam
Several plans I write use health questions instead of a medical exam.
Your data stays with me
Not a lead-selling site. No third-party buyers, no bidding wars.
One agent, start to finish
The person who quotes you is the person who services the policy.
How it works
Three steps, one phone call
01
Answer the questions
Two to three minutes. What you're protecting, your why, your budget, and a short health check so I know which carriers to look at.
02
I do the legwork
I compare the carriers I'm appointed with for your age, state, and health picture, then put together the options that actually fit.
03
We talk it through
One honest call at the time you picked. I explain the differences in plain English. If nothing fits your budget, I'll tell you.
Who you're talking to
Rejos Neopaney
I'm a state licensed life insurance agent working with families across Pennsylvania, Ohio, Texas, Virginia, Vermont, Kentucky, Indiana, New Jersey, and Alabama. I write life and final expense coverage, family and financial protection, and whole life and term life solutions.
I'd rather explain your options in plain English than sell you the biggest policy you'll qualify for. If a plan doesn't fit your budget, I'll say so.
Call (802) 363-4491
NPN 22276811
In their words
What clients say
Illustrative examples shown while real client quotes are collected. Nothing below is a statement from an actual client — swap in verbatim, permissioned quotes before this page goes live.
I had put this off for years because I assumed it would be a hard sell. It wasn't. He asked what I was trying to protect, showed me three options side by side, and told me which one he'd skip and why.
Danielle · Erie, PA
Term life · young family
My husband passed last year and I didn't want my kids stuck with the bill. Rejos walked me through the final expense plans slowly, twice, until I actually understood what I was signing.
Marta · Toledo, OH
Final expense · age 71
What sold me was that he called back when he said he would. I'd filled out two other forms that week and got nothing but robocalls from numbers I didn't recognize.
Andre · Richmond, VA
Whole life · mortgage protection
Questions people ask first
Before you fill anything out
No. The questionnaire and the conversation are free and there's no obligation. You only ever pay a premium if you decide to put a policy in place, and that goes to the insurance carrier.
Your information goes to me and only me. I'm not a lead site — nothing is sold to other agents or aggregators. You'll get a call from (802) 363-4491, and if you tell me to stop, I stop.
Often no. Many plans use health questions instead of an exam, and some final expense plans ask very few. Which options you qualify for depends on your age, state, and health history — that's what the health section helps me narrow down.
So I don't waste your time quoting something you wouldn't qualify for. Those answers are not an application and don't determine final eligibility — the carrier does that during underwriting.
It depends on your age, health, state, policy type, and how much coverage you want. Anyone quoting a price before knowing those things is guessing. Fill out the request and I'll bring real numbers.
Usually the same day, often within the hour, and I'll aim for the time window you pick in the last section. Save (802) 363-4491 so you know it's me.