Independent life insurance & annuity agent

Protect your family. Plan your retirement. Work with a licensed agent who compares carriers for you.

I'm Nag Sonti. I help individuals and families choose term life insurance, IUL and annuities from multiple top-rated insurance companies, explained in plain English.

Call 585-305-2330 Request a free quote review

Licensed in 6 states
Independent, multiple carriers
$0 fee for reviews

What I offer

Protection

Term Life Insurance

Affordable coverage that replaces your income and pays off the mortgage if you die while your family depends on you.

10 to 30 year terms
No-exam options for many applicants
Living benefits on many policies

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Lifetime coverage + cash value

Indexed Universal Life (IUL)

Permanent coverage with cash value that earns interest tied to a market index, with a 0% floor.

Coverage that does not expire
Tax-advantaged cash value
Access through policy loans

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Retirement income

Annuities

Protect savings from market drops and turn them into guaranteed income for life.

Fixed and fixed indexed annuities
401(k) and IRA rollovers
Lifetime income options

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Why an independent agent

I work for you, not one company.

I compare multiple carriers so you see real choices and prices.

Plain English, no pressure.

You get the costs, the trade-offs and what each option does not do.

Help with approval.

I know which carriers treat health conditions more favorably.

A relationship, not a sale.

I review every client's coverage each year as life changes.

Free tool

How much coverage does your family need?

Change the numbers to estimate your coverage gap. Then call and I'll check it against real quotes.

Talk to Nag

Call or text any day. Reviews and quotes are free.

Call 585-305-2330 or send a question

From the Knowledge Center

Emergencies

A parent abroad is sick. Can you afford to fly tomorrow?

How to size a family emergency travel fund and keep documents ready.

Aging & Care

How to plan for long-term care before you need it

About 70% of people turning 65 will need some care. Here is how families pay for it.

Retirement

Roth IRA basics for 2026: limits, rules and where IUL fits

Tax-free growth explained, plus what to do if your income is too high.

Aging & Care

Caring for aging parents without derailing your own plan

The conversation, the paperwork and the budget to set now.

Visit the Knowledge Center →

Ready to compare your options?

A free 15-minute call with a licensed agent. No obligation.

Call 585-305-2330 Send a question