Independent agent · Licensed across Georgia

Declined before? A “no” from one company isn’t the final word.

As an independent Georgia agent with 16 years’ experience, I shop all the top-rated carriers to find the best coverage that fits your budget — no medical exam, and protection that can start day one for most applicants. Free, no-obligation review.

Free & no obligation No pressure, no judgment By phone or text
16 years helping Georgia families Independent — all the top-rated carriers

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Takes 20 seconds. A licensed agent reviews your options — no obligation.

Your information is private. We never ask for medical or bank details online.

Licensed in Georgia 16 years of experience Independent — not tied to one company Free, no-obligation review
You may have more options than you were told

Many Georgians who were told “no” actually do qualify

A single company’s decision is just that — one company’s rules. Because Nikki Lee is independent and works with all the top-rated carriers, she can keep looking when others stop. Coverage is often available for people navigating a health history, a past decline, an ending term policy, or a plan that simply costs too much.

A past decline

Turned down before? One company’s answer doesn’t speak for the rest. We shop carriers whose guidelines may fit you.

A health history

Living with a health condition doesn’t automatically mean “uninsurable.” The right carrier makes the difference.

Final expenses

Help your family avoid an unexpected bill. Final-expense plans are built to cover funeral and end-of-life costs.

Why people choose Nikki Lee

An honest advocate who keeps looking

Independent & carrier-agnostic

Not captive to one company. Nikki Lee compares all the top-rated carriers and recommends what genuinely fits — not what pays the agent the most.

No-exam options exist

Several carriers offer policies with no medical exam. Some carriers have health questions — whichever you’re most comfortable with, we’ll show you your options.

Faith-led & honest

You’ll get straight talk, no pressure, and no judgment — coverage matched to what you can comfortably keep.

When it matters most

By your family’s side at claim time

Nikki Lee goes the extra step. When the time comes, she works directly with the insurance company on your family’s behalf — relaying whatever’s needed, including death certificates and any other paperwork — so the claim is as smooth as it can be. She stays on it and holds the carrier accountable for paying out in a timely fashion.

Simple — all by phone

How your free review works

Everything happens by phone — no office visit needed. Nikki Lee walks you through your options on a quick call, on your schedule. (If you’re within about an hour’s drive and would rather meet in person, just ask.)

Request your free quote

Share a few basics — just your name, number, and ZIP. No medical or bank details online, ever.

Nikki Lee shops the carriers

Using your situation, she compares all the top-rated carriers to find the best policy and price for you.

Apply right from home

If it’s right for you, you can finish over the phone — quick and easy. No pressure, only if it makes sense.

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Coverage options

Find the kind of coverage that fits

Final expense & burial

Smaller whole-life policies designed to cover funeral and end-of-life costs.

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Whole & term life

Lifelong coverage or affordable term protection — including replacing an ending term policy.

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Guaranteed-acceptance

Whole-life plans with no health questions (graded benefit / waiting period may apply).

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Declined before?

A specialty: finding low-cost, immediate coverage for people other agents turned away.

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Free policy review

Already covered? Feel like you’re paying too much? See if what you’re spending could actually buy you more coverage.

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Nikki Lee also writes term, whole life, indexed (IUL) policies, mortgage protection, and just about any other type of life insurance available.

Coverage, approval, and rates depend on the carrier and your application. Individual results vary.

Real situations

When “no” became “yes”

A few of the situations Nikki Lee has helped with. Details are shared to show what’s possible — names are withheld for privacy.

“Every agent I’d talked to had turned me down.” After a five-minute conversation, Nikki Lee confirmed a carrier that could offer same-day coverage at a fair rate — coverage that, years later, took care of his family.

A Georgia business ownerPreviously told he was “uninsurable”

A woman was being overcharged and billed incorrectly by her old insurance company. Nikki Lee helped get every dollar refunded, then placed her with a better carrier — more coverage, for less money.

A client near AtlantaReplaced an overpriced policy

Her current company wouldn’t give her any more coverage. Because she’s independent, Nikki Lee added a second carrier and doubled her protection for what she was already paying.

A long-time clientIncreased coverage with a second carrier

Just a few of the many situations Nikki Lee has been able to help with.

Coverage, approval, and rates depend on the carrier and your application. Individual results vary.

Nikki Lee, independent Georgia life-insurance agent
Meet your agent

Hi, I’m Nikki Lee

For 16 years I’ve helped Georgia families find life insurance that truly fits — especially folks who were told “no” somewhere else.

Because I’m independent, I’m not tied to one company — I shop all the top-rated carriers to find the right fit and a fair price for your situation. I also write term, whole life, indexed (IUL) policies, mortgage protection, and just about any other coverage available. You’ll always get honest, faith-guided guidance, no pressure, and no judgment — all handled by phone, on your schedule. And while I’m based in Georgia, I’m licensed across the East Coast and can help families throughout the United States.

Licensed life-insurance agent in Georgia · 16 years’ experience · Independent broker

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Why I do this
“I treat the people I help the way I’d want my own family treated — honestly, patiently, and with care. Getting someone covered who thought they couldn’t be is the best part of my day.”
— Nikki Lee, founder
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Honest answers

Questions people ask first

Can I get life insurance if I’ve been declined before?

Yes! Nikki Lee can help anyone ages 0 to 80 get coverage, regardless of health or history. A decline from one company reflects that company’s rules — not the whole industry. As an independent agent, Nikki Lee compares all the top-rated carriers to find one whose guidelines may fit your situation. Many people who were turned down elsewhere do find coverage. Approval and rate depend on the carrier and your application.

Is there life insurance with no medical exam?

Yes — several carriers offer no-exam policies. Keep in mind “no exam” is not the same as “no health questions”: issuance can still depend on your answers to the application’s health questions, and coverage is subject to the carrier’s underwriting and approval. A free review shows which options fit you.

How quickly can coverage start?

For most applicants and products, coverage can begin as soon as the application is approved — sometimes the same day. Some plans (such as certain guaranteed-acceptance policies) include a graded benefit or waiting period; if one applies to your policy, it will be explained clearly before you decide.

Does the quote or review cost anything?

No. The quote and policy review are completely free, with no obligation and no pressure to buy or switch. You only move forward if the coverage and price make sense for you. And if you do decide to switch carriers, Nikki Lee guides you through the entire process, every step of the way.

Do we have to meet in person?

No. Everything can be handled over the phone, on your schedule — most families do the whole thing by phone, text, and email, without ever leaving home. If you’re within about an hour’s drive and would rather meet in person, Nikki Lee is glad to. The choice is yours.

Let’s find your “yes.”

Talk to a real, licensed Georgia agent today. Free, no obligation.

(404) 889-7422
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