Life Insurance Advisory

Protection that outlives the paperwork

EverGuard helps families in Beverly and across the North Shore secure the right life insurance coverage. Final Expense. Mortgage Protection. Index Universal Life. One advisor, three ways to protect what matters.

$7B+ Final expense market
13.6% MA avg. commission rate
1M+ FE policies sold in 2024

Three pillars of protection

Every family's situation is different. EverGuard specializes in the three product lines that cover life's biggest financial risks.

Final Expense

Simplified whole life coverage that ensures your family never carries the burden of funeral costs, medical bills, or outstanding debts. Policies from $5K to $50K with no medical exam required.

Ages 50-85

Mortgage Protection

If something happens to you, your family keeps the house. Coverage designed to pay off your remaining mortgage balance, so your home stays their home.

Homeowners

Index Universal Life

A death benefit that also builds tax-advantaged cash value tied to market index performance. Downside protection with a 0% floor. Upside growth for retirement income.

Wealth building

An advisor, not just an agent

Most insurance agents sell policies. EverGuard builds financial protection strategies. With a background in financial planning from Fidelity Investments and Stonehill College, Joshua brings a holistic perspective that most agents simply don't have.

  • Carrier-independent Access to dozens of top carriers. The right policy for you, not the one that pays the highest commission.
  • Financial planning lens Insurance is one piece of your financial picture. EverGuard sees the whole board.
  • Local and personal Based on the North Shore. Real conversations, not call center scripts.
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The right coverage isn't about the biggest policy. It's about the one that lets your family sleep at night.

EverGuard Philosophy

Your family's future shouldn't depend on fine print

EverGuard exists because every family deserves an advisor who puts their protection first. Whether you need to cover final expenses, protect your mortgage, or build long-term wealth through IUL, the goal is the same: peace of mind that lasts.

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