i
Mortgage protection
You bought a house on two incomes. The question is what happens to the payment if one of those incomes stops. Coverage sized to the balance and the years left on it — not to whatever the illustration wanted to sell.
Licensed in six states
Life insurance, explained straight — then you decide.
I'm an independent broker. I'll tell you what a policy actually does, what it costs, and what it doesn't cover. If the honest answer is that you don't need coverage right now, I'll tell you that too.
A first conversation takes about fifteen minutes, costs nothing, and carries no obligation. If it turns out I'm not the right fit, I'll say so.
National Producer Number 22251848 Verify at NIPRHave me reach out
Leave your number and I'll get in touch. No cost, no obligation.
Licensed to write business in
- PAPennsylvania
- TXTexas
- UTUtah
- WAWashington
- AZArizona
- OHOhio
01
What I believe
Most people don't avoid life insurance because they don't care. They avoid it because the process feels designed to confuse them — jargon, pressure, and a number at the end that nobody explained.
My work is the opposite of that. I explain what a policy actually does, what it costs, and what it doesn't cover, and then I let you decide.
There's no deadline on this page, no countdown, and nobody is going to call you twelve times. If you'd rather think about it for a month, think about it for a month.
02
Who I work with
Five situations come up most. If one of these is you, you already know which one it is.
ii
Final expense
A smaller policy meant to cover a funeral, the last medical bills, and the things a family ends up putting on a credit card. Often for a parent, and often arranged by the adult child who would otherwise be paying for it.
iii
VGLI conversion for separated veterans
If you are out and you kept VGLI, the premium climbs with every age band. There is a window after separation to convert, and for a lot of healthy veterans a commercial policy costs less for the same coverage. I will run both and show you the numbers side by side — including the cases where keeping VGLI is the better answer.
iv
Owner-operators and the self-employed
No employer group plan, income that is not the same twice, and often a note on the truck or the equipment. Coverage that accounts for the business debt as well as the household, without pretending the income is salaried.
v
Families and straightforward term
Young kids, a spouse who would be left with the bills, or a term policy that is about to end. Usually the simplest and cheapest answer on this page, and usually the right one.
Not sure which one you are?
That is normal. Describe the situation and I will tell you which of these it is — or whether it is none of them.
03
What I do
- Understand the situation first. Who depends on your income, what you already have in place, and what would actually happen to your family if you weren't here.
- Explain the options in plain language. Term, permanent, and final expense coverage — what each is genuinely good at, and what it isn't.
- Handle the paperwork. Applications, medical questions, and the underwriting back-and-forth, so you're not chasing anyone.
- Stay reachable afterward. Beneficiary updates, coverage changes, and questions years later — the part most people never get.
04
When you probably don't need this
This is the part most advertising leaves out, so here it is up front:
- Nobody depends on your income, and nobody would be stuck with your bills.
- Your employer coverage already fits, and you are not leaving that job.
- You have a term policy with years left on it that still fits — keep it.
- The money would do more this year clearing high-interest debt.
Tell me any of those is true and the conversation is a short one. I would rather say so than sell you something you cancel in four months.
05
Who you would actually be talking to
Nathan Malusis, independent life insurance broker. Based in Lewisburg, Pennsylvania, and working across all six states.
Independent means I am not tied to one company's shelf. The recommendation is whatever fits the situation — and if nothing does, I will say that instead.
- National Producer Number
- 22251848 · verify at NIPR
- Direct line
- 570-412-5406
- contactme@malusis.com
No cost, no obligation
Start with a fifteen-minute conversation
No cost, no obligation, and nobody calling you over and over afterward. The phone is fastest — leave your number here if that is easier and I will reach out.
Prefer email? contactme@malusis.com
Licensed in Pennsylvania, Texas, Utah, Washington, Arizona and Ohio.
Have me reach out
Leave your number and I'll get in touch.