Private advisor for life, health, and everything in between.
Personal. Honest. Reachable. The agent you recommend to your friends.
I never sell, share, or trade your information. Your info comes to me, and only me.
- I never sell your information.
- Your number stays in my phone, not anyone else's database.
- Used only for the coverage conversation you started.
Real coverage for real situations.
When your family depends on your income.
Term, Whole Life, IUL, or Final Expense. Sized to what you're actually protecting.
When premiums and provider networks need to match your reality.
Private and ACA Marketplace plans, compared honestly against your real doctors and prescriptions.
When your deductible is more than your savings.
Cash benefits for accidents, hospital stays, critical illness, and long-term care.
When a bad market year could push retirement back five.
Principal-protected contracts. Plus 401(k) and IRA rollovers.
Not sure where to start? Take the quiz.
Question 1 of 3
What interests you?
Your information stays with me, and only me. I never sell, share, or trade it.
Different people. Different starting points.
Families
Term life sized to your mortgage and income. Family health plans you actually use.
Self-employed
Private and ACA plans compared with real numbers. Life insurance built for income that swings.
Pre-retirees
Annuities for the years you can't afford a bad market. LTC and supplements. Full read on what you have.
Reviewing existing coverage
Send me what you've got. I'll tell you what's working, what isn't, and what to do about it.
3 Step Process.
01
Share your goals
Tell me who needs coverage, what matters most, and what works for your budget. Straightforward conversation.
02
I get to work
I compare across every carrier I'm appointed with. You see the tradeoffs in plain English, the math on paper.
03
You're covered with confidence
Pick what works. I write the policy, run underwriting, and stay on as your agent. Same broker every call, every year.
Coverage across the board.
Most agents focus on one product. I write your whole picture: life, health, retirement, and the gaps in between. All under one roof.
Your info stays private.
I never sell, share, or trade your information. Every inquiry routes to my personal cell. No call centers. No spam. Ever.
In writing. Always.
Every recommendation comes with the reasoning. On paper. No fast-talk.
Questions I get asked most.
Will my information be sold, shared, or traded?
No. Every inquiry submitted on this site routes to my personal cell. CrossGuard does not sell lead data, does not share it with marketing aggregators, and does not trade it. The only time your information is shared with a carrier is when you authorize me to submit an application on your behalf. No call centers, no automated dialers, no rotating sales reps.
Are you an independent broker or a captive agent?
Independent. I'm appointed with multiple top-rated carriers and have no quota with any of them. That means I can compare across the lineup and recommend the right product for your situation instead of the one I'm pressured to push. Same broker every call, every year.
How are you paid?
Carriers pay me a commission when a policy is placed. You pay nothing directly to me, and the first call is free. My pay does not change based on which carrier I recommend, so my incentive is to find what actually fits your situation.
What states are you licensed in?
Currently licensed in 22 U.S. states (the full list is on the Licensing page). If your state isn't on the list, reach out anyway — I pursue non-resident licensing when a client needs it.
Do you sell Medicare?
No. CrossGuard does not market, advertise, or solicit Medicare-specific products (Supplement, Advantage, or Part D). If you're 65+ and looking for insurance support outside of those products, we can still have a conversation.
More questions? See the full FAQ →
Vincent Oriolo
Founder · Licensed Broker
Built different. Because most of the industry isn't.
Your information comes to me, and only me. I never sell, share, or trade it. Every conversation is private.