Term Life
Affordable coverage for a set period — usually 10, 20, or 30 years. The simplest way to protect a young family or a mortgage.
- 10 / 20 / 30 yr
- Income years
Independent Life Insurance
The people you love,
I'm Abraham Grooms — an independent life insurance agent helping families build the kind of plan that holds steady through every season of life.
- Independent
- A+ Carriers
- Licensed
- VA, FL & TX
- No-pressure
- Always
Protection that lasts
Term, whole, and indexed universal life policies built to outlast surprises — not your premiums.
Honest, independent advice
I'm not tied to a single carrier. I shop top-rated companies so the plan fits you, not the other way around.
Guidance for every stage
From your family's first policy to the legacy you leave behind, you'll have a steady hand at every turn.
How it works
A simple, unhurried path.
No quotas, no scripts, no surprise paperwork. Just a calm walk through what your family actually needs.
- 01
A real conversation
20 minutes on the phone or video. You talk, I listen. We figure out what you're actually trying to protect.
- 02
I shop the market
Because I'm independent, I compare top-rated A+ carriers and bring back two or three options with the tradeoffs spelled out plainly.
- 03
You decide, on your time
No pressure to pick today. When you're ready, I handle the paperwork — and I'm still here years later when life changes.
What I offer
Life insurance,
One focus, four tools. Most families need just one of them — we'll figure out which, and never more than that.
Whole Life
Permanent coverage with a guaranteed cash value that grows tax-deferred. Predictable, conservative, lifelong.
- Guaranteed
- Cash value
Indexed Universal Life (IUL)
Permanent coverage with cash value tied to a market index — with a floor that protects against losses.
- Market-linked
- Downside floor
Final Expense
Small whole-life policies designed to cover funeral, burial, and end-of-life costs. Often simplified underwriting for ages 55+.
- Ages 55+
- No exam options
To be clear about what I don't do: I don't sell annuities, health, or Medicare plans. If that's what you need, I'll tell you straight and point you somewhere useful. Read the plain-English guide.
Who I help
Real situations,
Every family I sit with looks a little different. Here's where I'm most often invited to the table.
New parents
Affordable term life that quietly covers the income years while the kids are still home.
Homeowners
Mortgage-matched coverage so the house stays with the people who built a life inside it.
Pre-retirees
Whole life and IUL strategies that build cash value while keeping a permanent death benefit in place.
Caring for parents
Final expense and small whole-life plans that keep a hard week from becoming a hard year.
A conversation, not a sales pitch
Let's talk about your family — for 20 minutes, no obligation.
I'll listen, answer questions, and only suggest a plan if it actually makes sense for you.
Schedule your call