Last updated 6 October 2026

Disclosures

Who we are

Brad The Life Guy is the business name of Bradley Craig, an independent licensed life insurance agent, National Producer Number 2235011. We are not an insurance company and we are not a mortgage lender. Policies are issued and claims are paid by the insurance carrier named in your contract.

Not a government program

We are not affiliated with, endorsed by, or acting on behalf of any government agency, HUD, FHA, the Department of Veterans Affairs, any state program, or your mortgage lender or servicer. Mortgage protection insurance is optional and is never required to keep your home loan. Nothing on this site is a government benefit, and no government program is required to buy anything from us.

How we are paid

You pay us nothing. Quotes, comparisons and appointments are free. If you decide to take a policy, the insurance carrier pays this agency a commission, which is already built into the premium the carrier files with your state and is not added on top of it.

Where we are licensed

We can only sell insurance in states where we hold an active license. A current list is available on request, and you can verify any agent's license through NIPR or your state insurance department.

About the products

Products, features, riders, benefit amounts and rates vary by carrier and by state and are not available in every state. All coverage is subject to underwriting approval and to the terms, conditions, limitations and exclusions of the policy as actually issued. Living benefit and return of premium features are optional, differ by carrier, and carry their own qualifying conditions. We will tell you exactly what your policy includes before you sign anything.

Rates and examples

Any premium or benefit figure you see in our advertising or on this site is an illustration, not an offer or a guarantee. Your own rate depends on your age, sex, health, tobacco use, state and the carrier that ultimately approves you.

Not advice

This site is general information about insurance products. It is not legal, tax or investment advice. Talk to your own attorney or tax professional about how a policy fits your estate.

Questions

Call (559) 978-1886 or write bradcraig.pinnacle@gmail.com.