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Protecting Your Family, Your Home, and Your Future

Hi there! My name is Breanna Gimino, an independent broker who works for you — not a corporate company. I provide honest, no-pressure guidance every step of the way. To learn more or book your free consultation and policy review, click below.

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Breanna Gimino business card - Mortgage Protection, Annuities, IUL, Life Insurance
Why I Do This

My Why

Life insurance isn't a one-size-fits-all policy — it's actually one of the most versatile financial tools out there. Whether we're using it for tax advantages, protecting hard-earned assets, or simply making sure your family is cared for on their hardest days, every plan I create is built uniquely around your life and goals.

This work is deeply personal to me, and I've dedicated my career to making sure no other family has to go through that uncertainty alone. My goal is simple: to make sure you and your loved ones always have a solid foundation to lean on.

Why Work With an Independent Broker

The difference between working with me and a corporate agent tied to one company.

1

I Work For You

As an independent broker, my duty is to your family's best interest — not a sales quota for one insurance company.

2

32+ A+ Rated Carriers

Instead of one product from one company, I shop your situation — including health history — across dozens of top carriers to find what's most accepting and affordable for you.

3

Free Policy Reviews

Whether you're new to coverage or already have a policy, I'll review it with you at no cost to confirm you actually need it, or that it's still the right fit.

4

Real Claims Support

I make sure your family has every document and piece of information they'll need, so the claims process is as seamless as possible when it matters most.

5

Nationwide

Licensed to work with families in every U.S. state.

6

Retirement & Legacy Planning

Our Advanced Markets team helps protect retirement savings from probate and market loss, and helps parents and grandparents plan ahead for their kids' future.

How We Can Help

Simple, honest coverage options built around your family's actual needs.

1

Mortgage Protection

Helps cover your mortgage payments if you pass away, become critically ill, or can't work due to a covered disability — so your family can stay in the home they love.

2

Final Expense

Affordable coverage for funeral costs, medical bills, and other end-of-life expenses, so your loved ones aren't left with the burden.

3

Indexed Universal Life (IUL)

Lifelong coverage that also builds cash value over time, with growth tied to the market and protection against market loss.

4

Annuities & Retirement

Steady income planning for retirement that helps protect your savings from probate and market downturns.

5

Legacy Planning for Kids & Grandkids

Simple plans that lock in future insurability and help fund what's ahead — college, a first car, or a strong financial start.

6

Free Consultations

A no-obligation conversation to answer your questions and walk through your best options — no pressure, ever.

What Matters Most

Getting Protected Shouldn't Be Confusing

Every family's situation is different. My goal is simple: make sure yours is protected, and that you actually understand how — in plain language, with no jargon and no pressure.

What Clients Say

A few of the families I've had the privilege of helping.

“

I put this off for years because I thought it would be complicated or too expensive. Breanna made it simple, never pushed me toward anything, and found coverage that actually fit our budget. I wish I hadn't waited so long.

— Michelle R.
“

I'd been turned down before because of a health condition and figured I just wasn't insurable. Breanna didn't give up — she shopped my situation across multiple carriers and found one that approved me at a rate I could actually afford.

— James T.
“

Breanna helped us protect our retirement savings and set something up for our grandkids' future at the same time. She explained everything in a way that finally made sense to us.

— Carol & Dave S.

Common Questions

Straight answers, no jargon.

How much does coverage actually cost?

It depends on your age, health, and how much coverage you need — but many people are surprised how affordable it is. I'll always give you real numbers upfront, and I shop across 32+ carriers to find the most affordable fit for your situation.

Do I need a medical exam to qualify?

Not always. Many plans, including final expense and mortgage protection, use simplified underwriting with no exam required. I'll walk you through which options fit your health history.

I've been declined for coverage before — can I still get approved?

Often, yes. Being declined by one carrier doesn't mean you're uninsurable — it usually just means that specific carrier wasn't the right fit. Since I work with 32+ carriers, I can shop your situation around to find one that's more accepting of your health history.

What's the difference between mortgage protection and regular life insurance?

Mortgage protection is essentially life insurance built around your home, with extra built-in benefits like coverage for critical illness or disability. A common misconception is that it's tied to your mortgage — it's not. It's life insurance on you, not the property, so even if you move or pay off your home, your coverage goes with you. Traditional life insurance works the same way but is more general-purpose, built around any need your family has.

What other benefits come with my policy?

Some of the carriers I work with offer added benefits at no extra cost — like a free living will and trust, power of attorney, and even college grant opportunities for your children or grandchildren. On top of that, the payout itself typically goes directly to your beneficiaries tax-free and without going through probate, so your family gets access to it quickly instead of waiting on the courts.

Does it cost more to work with a broker?

No — working with an independent broker doesn't cost you anything extra. Your rate is set by the insurance carrier, not by me, so you pay the same price (often less, since I can shop around for the best fit) as you would going directly to a company. The only difference is you get someone shopping multiple carriers on your behalf, at no added cost.

Is the consultation really free, with no obligation?

Yes. We'll talk through your situation, and I'll explain your options honestly — including telling you if you don't need anything at all. There's never any pressure to buy.

How long does the process take?

Many plans can be approved in as little as a day or two. More complex situations can take longer, but I'll keep you updated every step of the way so you're never left wondering.

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