01 · Protection
Term Life Insurance
The most coverage for the least money, for the years your family is most exposed.
- Affordable coverage
- Income replacement protection
- Mortgage and family security
Protect what matters most
Read more about Term Life
Protect today.
Grow tomorrow.
Leave a legacy.
Independent life insurance and wealth strategy for families who want more than a policy — they want a plan their children will inherit.
No obligation · No medical exam options available · No pressure
- Licensed independent agency
- Four coverage types
- 30-minute consultation
- We respond within 24 hours
Our solutions
Tailored for your life.
Designed for your future.
Four ways to protect income, build cash value, and leave money behind on purpose rather than by accident.
02 · Growth
Indexed Universal Life Insurance
Protection that also builds a pot you can borrow against while you are still alive.
- Death benefit protection
- Potential cash value accumulation
- Tax-advantaged features, subject to policy rules
Grow wealth tax-advantaged
Read more about Indexed Universal Life03 · Permanence
Whole Life Insurance
A fixed premium and a guaranteed payout that never expires and never reprices.
- Lifetime coverage
- Guaranteed benefits per policy contract
- Cash value growth
Lifetime protection, lasting value
Read more about Whole Life04 · Dignity
Final Expense Insurance
A small, easy-to-qualify-for policy so a funeral never becomes a family debt.
- Simple coverage options
- Helps cover funeral and burial costs
- Peace of mind for loved ones
Peace of mind for your loved ones
Read more about Final ExpenseSolutions for every stage of life
The right product depends on where you stand.
A policy that is right at thirty is rarely the one you want at sixty. Franca starts by working out which of these you are, then narrows to the one or two products that actually fit — rather than selling you the same plan she sold the last person who called.
Ages 25–55
Young families
Income protection, mortgage protection, and building something for the children.
Term Life · IUL
“Protect your family's future for less than the cost of your daily coffee.”
Ages 25–65
Professionals & business owners
Wealth accumulation, tax-advantaged growth, and legacy planning.
IUL · Whole Life
“Build protection and long-term financial security with a strategy designed for your future.”
Ages 50–75
Pre-retirees & retirees
Final expenses, legacy planning, and leaving money to loved ones.
Final Expense · Whole Life
“Give your family peace of mind and avoid leaving them with unexpected costs.”
Before you book
The questions people ask first, answered plainly.
No pitch attached. Each one answers in its first sentences and says who the product does not suit.
How much life insurance do I need?
A common starting point is ten to twelve times your annual income, but that rule ignores what you owe and who depends on you. A more honest figure is the total of what would still need paying if your income stopped — the mortgage, other debts, the years of income your household would lose, and anything you intend to leave behind — minus what you already have in cover and savings.
Read the full answer · 5 min
What is the difference between term and whole life insurance?
Term life covers you for a fixed number of years and pays out only if you die within that window; it costs less because most policies never pay a claim. Whole life covers you for life and builds cash value, which is why it costs considerably more for the same death benefit. Term suits a temporary obligation like a mortgage or raising children; whole life suits a permanent one like final expenses or leaving money behind.
Read the full answer · 6 min
Is indexed universal life insurance worth it?
Indexed universal life is permanent cover whose cash value grows based on the movement of a market index, with a floor that protects against index losses and a cap that limits gains. It suits people who have already filled their tax-advantaged retirement accounts and want permanent cover with a growth component. It is a poor fit for anybody whose priority is the largest possible death benefit for the lowest premium.
Read the full answer · 7 min
FaithFinanceFreedom
Meet your advisor
You are not buying a policy.
You are hiring a person.
Ambassador Franca Adetunji · Licensed Financial Professional · Wealth Strategist · Mentor
Franca helps families build wealth, protect income, and create lasting legacies. As an independent professional she is not tied to a single carrier’s shelf — which means the recommendation starts with your situation, not with a quota.
There is also something I won't do: I won't pressure someone into buying a financial product they don't understand or that isn't appropriate for their situation. I believe you deserve to know what you're paying for, how it works, what the benefits are, what the limitations are, and what alternatives you may have. BrightCover isn't about algorithms making decisions for people. It's about having a real, licensed professional you can talk to, ask questions of, and build a relationship with for the years ahead.
Franca Adetunji
Strong protectionFinancial growthTrusted guidanceLegacy focused
How it works
Three conversations, not thirty.
01
Book 30 minutes
Pick a time that suits you. No paperwork, no pressure — just a conversation about what you are protecting.
02
Review your options
Franca shops the market and brings back the options that actually fit your budget, health and goals.
03
Put it in place
Apply, get underwritten, and know exactly what your family receives and when.
Join our team
Build a rewarding career.
Create freedom. Make an impact.
We are licensing and training independent financial professionals — no experience required, and remote work available across states.
- Group and one-on-one personal training
- No experience needed
- Sponsored state licenses
- Negotiable hours and quarterly incentives
Requirements: 18+, clean background, valid work permit or SSN, and residing in the US.
Let’s build a brighter future together.
A 30-minute conversation costs you nothing and tells you exactly where you stand.