Grief is unavoidable. a $15,000 bill isn’t
You don’t need an insurance company. You need someone in your corner that you can trust.
A conversation today can be the difference between a hard week OR a hard year for the people you leave behind.
Work with someone who knows you and your family.
We’re not some 1-800 company you can’t get a hold of. We build a relationship based on three things.
1) To know you
2) To be there when it matters
3) To never tell you anything but the truth
WHO ARE WE
Meet The Founder
What matters most
THE SWORN SAFE OATH
We will listen BEFORE we recommend. Your life, family, and goals come before and product.
We will tell you the truth, even if it’s not what you necessarily want to hear. Including when you don’t need any products.
We will explain everything in plain language. No skimming over important details or avoiding questions.
We will be reachable. When the time comes and you or your family need anything just a call or text away.
We will treat your trust as the whole point because what’s the point of coverage you can’t trust to protect you and your family.
And only together, do we swear to protect those closest to you.
— Kyle Zirbes, Sworn Safe founder
two main scenarios
Here’s What Most People Don’t Understand
Without
Her mom is gone. Before the funeral is even planned, she’s already fielding calls about final expenses, looking at her own savings, wondering if she can afford to take more time off work to grieve. The loss isn’t just emotional anymore — it’s a financial emergency layered on top of the worst day of her life. She loved her mom. She just never got to talk to her about this.
✓ ~100 million American adults say they either have no life insurance or don’t have enough. This gap has stayed stubbornly wide for years, even as more people recognize the need.
✓ Only about 51% of American adults own any life insurance at all. This is down from 63% just over a decade ago.
With
Her mom is gone. The grief is real and it’s heavy — but it’s the only thing she has to carry. The funeral is covered. There’s breathing room. In the middle of the hardest week of her life, she has one less thing to fight through, because her mom thought of her before she needed it. That’s the whole point.
✓ Roughly 3 in 4 adults overestimate what life insurance actually costs or how much they NEED which is one of the biggest reasons people put off getting covered.
✓ Ownership is highest among people in their 50s and 60s, but most people don’t realize that the policy they bought decades ago is likely going to double if not triple in price in the future.
what makes us different
Why Sworn Safe
- Independent, not captive: NOBODY at Sworn Safe is tied to one singular insurance company, and because of that we aren’t required to force something to fit. We’re able to prioritize what fits YOU because we work across carriers. Your preferences, income, values, family, coverage needs, any any other factors that go into it.
- A Relationship, Not a Transaction: We don’t disappear with the wind after talking one time. You get our personal cell phone numbers and we can help you with whatever you need whenever you need it. Just call or text.
- Plain-Spoken and Blunt, Always: No pressure or confusion. If you need it we help, if it doesn’t fit you WE tell you that.
- Real person, real access: You’re not getting a corporate call center. You’re getting someone just like you. The same person, start to finish, who actually picks up the phone.
WHAT IS the SWORN SAFE process
Getting Protected Shouldn’t Feel Complicated
- We Talk: Crazy right?! Just a real conversation about your life, family, and how we can get you confident in your protection plan
- We find what would be your best fit: based on our chat we go through possible options to give you a solution
- We apply: we fill out the carrier application
- We get results: Depending on the carrier, an underwriting result can be given as quickly as 1 minute! If declined, we find the next best option and repeat step 3. If approved then kaboom!
- We’re Done!