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EVERSTANDLife Group Speak with Frank
Everstand Life Group · Independent Life Insurance Agency

United in purpose. Unwavering in protection.

We stand with Illinois families and beyond, comparing top-rated carriers to protect your home, your income and the people you love. Straight answers, no pressure, and a broker who stays with you.

Mortgage Protection Just bought a home? Make sure your family keeps it. See how mortgage protection works
Speak with Frank More About Everstand
The Everstand Standard

Why we're called Everstand

A family is strongest when it stands together, and so is the team that protects it. Everstand is more than our name. It is the standard we hold ourselves to. Every policy we write starts with a relationship: we listen first, we tell you the truth, and we stay with you long after the paperwork is signed.

We measure our work by the families still with us years later, by the friends and relatives they send our way, and by the peace of mind they carry every day. Protecting the people you love is a promise, and we keep it together.

  1. SSteadfast WorkDone right, every time
  2. TTrusted RelationshipsYou're family, not a file
  3. AAlways HonestThe truth, even when it's hard
  4. NNetworkStronger together
  5. DDevoted for LifeWe stay long after the sale
What we specialize in

Coverage built around your family

We focus on four things and do them well. Not sure which fits? Speak with Frank and he’ll walk you through it.

A couple carrying moving boxes into their new home
Protect the home

Mortgage Protection

If something happens to you, your family keeps the house. Choose equity protection, which keeps the monthly payments going, or a full pay-off of the balance.

Learn how it works →
Lifelong + cash value

Indexed Universal Life (IUL)

Permanent coverage with cash value tied to a market index, plus a floor that protects against index losses.

What is an IUL? → Fixed & indexed annuities

Protection From Market Loss

Keep your savings safe from market drops while still earning interest, with income options you can't outlive.

Request a review → Compare your options

Term vs. Whole Life

Affordable coverage for the years you need it most, or guaranteed protection for life. We'll show you both side by side.

See the comparison →
Learning center
How much do I need?Estimate your number with the DIME calculator Common questionsExams, health, beneficiaries, answered simply Mortgage protection explainedEquity protection vs. full pay-off Work vs. personal coverage NewWhat your coverage through work may not do
Frank Carmona, founder and CEO of Everstand Life Group
Meet our founder

Frank Carmona

Founder & CEO, Everstand Life Group

Chicago raised and built on years of serving people face to face, Frank started Everstand Life Group for one reason: to give his clients true value. He shops the market for you, explains every option in plain English, and stays in your corner long after the policy is in place.

More About Everstand Book a Call With Frank
Our carrier partners

One broker. Fifteen carriers competing for you.

Because we're independent, we aren't tied to one company's pricing or underwriting. We compare these carriers side by side and bring you the best fit.

Get in touch

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Call or text(773) 793-0551Evenings and weekends by appointment
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Home / Speak with Frank

Speak with Frank

Tell us a little about yourself, then pick a time that works for you. We'll compare our carriers before the call so you get real numbers, not a sales pitch.

Are you against making money?Refer a friend and get $200 when we help them, or a $25 gift card if we can’t. See how

Step 1 · Your information

Takes about a minute. Fields marked optional can be skipped.

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By clicking "Send My Information," you agree that Everstand Life Group may contact you by phone, email and text message at the number provided, including messages sent with automated technology, about your request. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Reply STOP to unsubscribe or HELP for help. See our Privacy Policy and SMS Terms.

Step 2 · Pick a time

Choose a 30-minute call with Frank in the next two days. Times are shown in your own time zone.

Preview only: bookings aren't connected to Frank's calendar yet, so nothing is sent.

Home / Client Login

Client login

Already a Everstand client? Pick the insurance company your policy is with to view your coverage, check or make payments, update your beneficiaries and more. Each one opens that company’s secure website in a new tab.

Not sure which company you’re with?

The company name is on the first page of your policy and on your payment statements. Or call or text Frank and he’ll look it up for you.

Call or text (773) 793-0551

Everstand Life Group never sees your sign-in details. You log in directly on your insurance company’s website. Phone numbers and hours are from each company’s website and can change.

Home / Refer a Friend The Everstand referral program

Are you against making money?

Didn’t think so. Send a friend or family member Frankie’s way. If we help them get covered, we send you $200. If we can’t, you still get a $25 gift card just for thinking of us.

Refer a FriendHow it works
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$200

Thank-you for every friend we help

Every person Frankie is able to help get protected, we send you a $200 thank-you. Refer three people we help and that’s $600.

$25

Gift card, even if we can’t help

Not everyone ends up with a policy, and that’s okay. For thinking of us, you’ll get a $25 gift card. Your pick:

AmazonStarbucksTarget
No matter what, you win.
How it works

Three easy steps

  1. 1

    Tell a friend

    Anyone who wants to protect their family, their mortgage or their future. Fill out the form below, or just give them Frankie’s number.

  2. 2

    They ask for Frankie

    Have them call or text (773) 793-0551 or fill out the Speak with Frank form, and mention your name so you get the credit.

  3. 3

    You get your thank-you

    If Frankie helps them get covered, $200 is on its way to you. If not, we send your $25 gift card.

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Tip: the easiest referral is a quick text. “Call Frankie at (773) 793-0551 and tell him I sent you.”

Send a referral

Takes about a minute. We’ll reach out to your friend and keep you posted.

About you

Please enter your first name.
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Please enter a valid email.

About your friend

Please enter their first name.
Please enter their last name.
Please enter a 10-digit phone number.
Please enter a valid email or leave it blank.

Referral thank-yous are paid after your friend’s policy is issued and placed, where permitted by state law. The $25 gift card is for thinking of us and doesn’t depend on your friend buying anything; limit one gift card per person referred. Your friend is never required to buy anything. Referring a friend is not an offer or solicitation of insurance by you. Gift card brands are not sponsors of this program. Photos: Toa Heftiba and Brooke Cagle on Unsplash.

Home / Learn / Mortgage Protection

Mortgage protection, explained

Two ways to make sure your family keeps the house: cover the payments, or pay it off.

Mortgage protection is life insurance built around your home. If something happens to you, it makes sure your family can stay in the house you worked so hard for. There are two ways to set it up, and we'll help you pick the one that fits.

What might you qualify for?Answer a few quick questions and see your likely rate class in about two minutes. No obligation.
About 95% of our clients choose this Option 1

Equity Protection

Permanent whole life coverage structured to cover your mortgage payments for a set period, so the bank never has a reason to foreclose.

How it works → Option 2

Full Pay-Off

Term life coverage large enough to pay off the entire mortgage balance if you pass away during the term.

How it works →

Option 1: Equity Protection

This is the option about 95% of our clients go with. Instead of buying enough coverage to wipe out the whole loan, we structure a permanent whole life policy to take care of your mortgage payments for a specific period of time.

Why this works. The bank doesn't need your loan paid off on day one. It needs the payments made. As long as the payments stay current, the bank has no grounds to foreclose, and your family keeps the home and all the equity you've put your hard-earned money into.

You choose how long the payments are covered

  • Through the critical period: enough to carry your family through the first months after an illness or death, while everyone gets back on their feet.
  • One full year of payments: a full year for your family to adjust, plan and decide what's next without the pressure of losing the house.
  • Longer, if you choose: two years, five years or more. We build the coverage to match what gives you peace of mind.

Why permanent coverage

  • It never expires. Whole life stays in force for your whole life as long as premiums are paid, so you're protected whether you pay the house off in 10 years or refinance in 5.
  • Fixed premiums. Your price is locked in and never goes up.
  • Living benefits. Many whole life policies let you access part of the benefit if you're diagnosed with a qualifying terminal, chronic or critical illness, so the payments can be covered even if you're alive but can't work.
  • Cash value. Whole life builds guaranteed cash value over time that you can borrow against.

Estimate your payment coverage

Enter your monthly mortgage payment and choose how long you'd want it covered. The numbers filled in are an example.

Coverage to keep payments current $26,400
$2,200 × 12 months
Speak with Frank about this plan

Option 2: Full Pay-Off

Full pay-off coverage is a term life policy sized to your mortgage balance. If you pass away during the term, the benefit is large enough for your family to pay off the house completely.

  • You pick a coverage amount close to your mortgage balance, and a term that matches the years left on your loan (15, 20, 25 or 30 years).
  • You pay a fixed monthly premium. The price is locked for the length of the term.
  • If you pass away during the term, the benefit goes to the beneficiaries you name, not the bank.
  • When the term ends, the coverage ends. Many term policies can be converted to permanent coverage before then without new health questions.

Return of premium

Some term plans offer a return-of-premium option. If you outlive the term, you get back the premiums you paid. It costs more each month, but some families like knowing the money isn't gone if they never use it.

Side by side

Equity ProtectionFull Pay-Off
Type of coveragePermanent whole lifeTerm life
What it coversYour mortgage payments for the period you chooseThe full mortgage balance
How long it lastsYour whole lifeThe term you pick (15–30 years)
PremiumsFixed for lifeFixed for the term
Cash valueYes, guaranteedNo

Your family gets paid, not the bank

Mortgage insurance sold by a lender usually pays the lender directly, and the payout often shrinks as your balance goes down while your premium stays the same. Both of our options pay your family, and they decide how to use it.

Mortgage protection vs. PMI

PMI (private mortgage insurance) protects the lender if you stop paying your loan. It does nothing for your family if you pass away or get sick. Mortgage protection is the coverage that protects your household.

Who it's for

  • New homeowners and anyone who recently refinanced
  • Households that rely on one or two incomes to make the payment
  • Anyone who has built up equity and wants to make sure it stays with their family

Living benefit riders, their costs and availability vary by carrier and state. Whole life guarantees are based on the claims-paying ability of the issuing insurer.

Home / Learn / IUL

What is an IUL?

Indexed Universal Life in plain English: how the cash value grows, what limits it, and what to ask before you buy.

An Indexed Universal Life (IUL) policy is permanent life insurance with two parts: a death benefit for your family, and a cash value account that can grow over time. The cash value earns interest based on how a market index, such as the S&P 500, performs. Your money is not invested directly in the market.

The key terms

  • Floor: the minimum interest credited, often 0%. If the index goes down, your cash value doesn't lose money from the index drop. Policy fees still come out.
  • Cap: the maximum interest you can be credited in a period. If the cap is 10% and the index gains 18%, you're credited 10%.
  • Participation rate: the share of the index gain you receive, up to the cap.
  • Cost of insurance: the monthly charge for the death benefit. It rises as you age.
Example. Say your policy has a 0% floor and a 10% cap. The index gains 14% one year and loses 12% the next. You'd be credited 10% the first year and 0% the second. You get part of the upside and are protected from the downside.

What people use an IUL for

  • Lifelong coverage that doesn't expire like term
  • Tax-advantaged cash value growth
  • Supplemental retirement income through policy loans or withdrawals
  • Leaving money to family or a charity

What to watch for

  • It needs to be funded properly. If premiums are too low and fees exceed growth, the policy can lapse.
  • Illustrations are projections. The rates shown aren't guaranteed. Ask to see results at lower assumed rates too.
  • Early surrender charges. Taking money out in the first 10 to 15 years can be expensive.
  • Loans reduce the death benefit and can cause a lapse if not managed.

An IUL is a long-term tool. It works best for people who have their basic coverage needs handled and can commit to funding it for many years. We'll show you side-by-side illustrations from multiple carriers so you can compare.

IUL policies are life insurance, not investments. Caps, participation rates, fees and charges vary by carrier and product and can change. Guarantees are based on the claims-paying ability of the issuing insurer.

Home / Learn / Common Questions

Common questions, simple answers

The questions we get asked most, answered in a sentence or two.

Do I need a medical exam?

Not always. Many carriers now approve policies using your answers, prescription history and records instead of a blood test. Larger amounts or some health situations may still need an exam, which is free and can be done at your home.

Can I get coverage if I have health problems?

Usually, yes. Conditions like diabetes, high blood pressure or past heart issues can affect your price or which carrier fits best, but they rarely rule you out. This is where working with a broker helps: each carrier treats conditions differently.

How much does life insurance cost?

It depends on your age, health, tobacco use, coverage amount and type of policy. A healthy 35-year-old can often get a 20-year term policy for less than a streaming subscription or two per month. Frank will walk you through your options.

Who should be my beneficiary?

Anyone you want to receive the money: a spouse, children, a family member or a trust. Avoid naming minor children directly. A trust or custodian lets the money be managed for them.

Is the payout taxed?

In most cases the death benefit is paid to beneficiaries free of federal income tax. Talk to a tax professional about your specific situation.

What if I already have life insurance through work?

Work coverage is a good start, but it's often only 1 to 2 times your salary and usually ends if you leave the job. Most families need a personal policy they keep no matter where they work.

How long does it take to get approved?

Some policies are approved the same day. Fully underwritten policies can take a few weeks. We'll tell you what to expect up front and keep you updated.

Can I change or cancel my policy?

Yes. You can cancel anytime, and most policies have a free-look period (often 10 to 30 days) when you get a full refund. Many term policies can also be converted to permanent coverage later without new health questions.

Why use a broker instead of going to one company?

One company can only offer its own products and prices. A broker compares many carriers, so you get the one that fits your health and budget best. You don't pay more for using a broker.

What happens if I miss a payment?

There's a grace period, usually 30 or 31 days, when your coverage stays active. If you think you'll miss a payment, call us first. There are often options to keep the policy in force.

Home / Learn / Term vs. Whole Life

Term life vs. whole life

Both pay your family if you pass away. The difference is how long they last, what they cost, and whether they build cash value.

Term life is like renting protection for a set number of years. Whole life is like owning it: it lasts your whole life and builds value along the way.

What might you qualify for?Answer a few quick questions and see your likely rate class in about two minutes. No obligation.
Term LifeWhole Life
How long it lastsA set term: 10, 15, 20, 25 or 30 yearsYour entire life, as long as premiums are paid
CostLowest cost for the most coverageMuch higher premiums for the same death benefit
PremiumsLevel during the term, then rise sharply or endFixed for life
Cash valueNoneGuaranteed cash value that grows and can be borrowed against
Best forIncome replacement, mortgage, raising kidsFinal expenses, estate planning, lifelong needs
If you outlive itCoverage ends (unless you have return of premium or convert)Always pays out, as long as it stays in force

When term makes sense

Your biggest money needs have an end date. The mortgage gets paid off, the kids grow up, and retirement savings build. Term covers those years at the lowest cost. Many families buy term and put the savings toward retirement.

When whole life makes sense

You want coverage that's guaranteed to be there no matter when you pass: to cover final expenses, leave an inheritance, or provide for a dependent who will always need support. You also like the forced savings of cash value.

You don't have to choose just one

Many families combine them: a large term policy for the working years, plus a smaller whole life policy for lifelong needs. Many term policies can also be converted to permanent coverage later without a new medical exam.

Already covered through work?Here’s what work coverage may not do for your family.Read more →
Also consider Indexed Universal Life, a type of permanent coverage with more flexible premiums and index-linked growth.
Home / Learn / Work vs. Personal Coverage

Work coverage vs. your own policy

“I’m already covered through work.” Maybe. Here’s what coverage through your job usually does, what it doesn’t, and why most families need a policy of their own.

When people say they’re covered at work, they usually mean one of two things: workers’ compensation, which every employer carries, or a group life insurance benefit. They work very differently, and both leave gaps.

Workers’ comp is not life insurance

Workers’ comp only pays a death benefit when the death is caused by your job. A full-time work week is 40 of the 168 hours in a week. Nights, weekends, vacations and, in most states, your drive to and from work aren’t covered.

24%of your week is on the job
40 of 168 hours
76%of your week has no workers’ comp death benefit
128 of 168 hours
Mon
Tue
Wed
Thu
Fri
Sat
Sun
On the job (Mon–Fri, 9–5) Off the clock: home, family, errands, weekends, sleep

Over a year, that’s about 6,600 hours where workers’ comp wouldn’t pay your family anything, including every weekend: 104 days a year.

Group life through work helps, but it has limits

Many employers also offer group life insurance. It’s a great benefit, and it usually covers you around the clock. But it was built to be a starting point, not your family’s whole plan.

Workers’ compGroup life through workYour own policy
When it paysOnly for job-related deathsDeath from most causesDeath from most causes
How muchA share of wages, set by state lawOften 1–2 times your salaryThe amount your family actually needs
Who owns itYour employer’s insurerYour employerYou
If you quit, are laid off or retireEndsUsually ends, or converts at a high costStays with you
Cost as you ageNot applicableOften rises in age bandsCan be locked in
If you get seriously illNothing, unless the illness came from your jobSometimes a terminal illness benefit; rarely chronic or critical illness benefitsLiving benefits riders available on many policies
Taxes—Employer-paid coverage over $50,000 counts as taxable incomeDeath benefit generally income-tax-free

What it looks like for a real family

Here’s an example family. One parent earns $60,000 a year. If that parent passed away, the family would need about $450,000 to stay in the house and stay on their feet.

$220,000Pay off the mortgage $180,000Replace income for 3 years $30,000Final expenses and debts $20,000Kids’ education fund $450,000Total family need
Work coverage only
    Work coverage + your own policy
      Group life through work (1× salary)Your own policy ($400,000)Shortfall your family would face
      If you get seriously illWork only: usually little or nothingWith your own policy: living benefits riders may let you use part of the benefit early

      Hypothetical example for illustration only. Your family’s needs, your employer’s plan and the coverage you qualify for will be different.

      The biggest gap: getting sick

      Most families think about life insurance paying when someone passes away. But a serious illness can be just as hard on a family’s finances, and most work plans offer little or nothing while you’re still living. Many personal policies include living benefits, which let you use part of your death benefit early if one of these happens:

      Terminal illness

      A doctor certifies a life expectancy of 12 to 24 months, depending on the carrier.

      • Advanced or metastatic cancer
      • Late-stage ALS (Lou Gehrig’s disease)
      • End-stage heart failure
      • End-stage kidney or liver disease
      • Advanced COPD
      Chronic illness

      You can’t do 2 of 6 daily activities on your own (bathing, dressing, eating, using the toilet, getting in and out of bed, continence), or have a severe cognitive impairment.

      • Alzheimer’s or dementia
      • Advanced Parkinson’s
      • Multiple sclerosis
      • Paralysis
      • Lasting effects of a severe stroke
      Critical illness

      You’re diagnosed with, or go through, a qualifying major medical event.

      • Heart attack
      • Stroke
      • Invasive cancer
      • Kidney failure
      • Major organ transplant
      • Coronary bypass surgery
      • ALS
      • Paralysis

      Which riders are available, how they define each illness and how much you can access vary by carrier, policy and state. Frank will walk you through exactly what each option includes.

      What might you qualify for?Answer a few quick questions and see your likely rate class in about two minutes. No obligation.

      Questions to ask your HR department

      • How much life insurance do I have, and is it a flat amount or a multiple of my salary?
      • Does it cover death from any cause, or only accidents?
      • What happens to my coverage if I leave, get laid off or retire? Can I keep it, and what would it cost?
      • Does the cost go up as I get older?
      • Does it pay anything if I become terminally, chronically or critically ill?
      • Is my spouse covered, and for how much?

      Use both

      Keep your work coverage. It’s a nice extra. Then put a personal policy underneath it that you own, that follows you from job to job, and that’s sized to what your family would actually need: the mortgage, income, kids and final expenses.

      Not sure how much you need? See How Much Life Insurance Do I Need? or speak with Frank and he’ll look at your work coverage with you.

      This page is general education, not legal or tax advice. Workers’ compensation rules, including commuting, vary by state. Group plan features vary by employer.

      Home / Learn / How Much Do I Need?

      How much life insurance do I need?

      A quick rule of thumb, a better method, and a calculator to estimate your number.

      The quick rule of thumb

      Many people start with 10 to 12 times their yearly income. It's a decent starting point, but it ignores your mortgage, debts, kids and savings.

      The DIME method

      DIME adds up four things your family would need to cover:

      • D – Debt: car loans, credit cards, student loans and other debts (not the mortgage).
      • I – Income: your yearly income times the number of years your family would need it.
      • M – Mortgage: the balance left on your home loan.
      • E – Education: what you want set aside for your kids' schooling.

      Then subtract coverage and savings you already have. Try it below. The numbers filled in are an example; replace them with your own.

      Estimated coverage need $1,000,000
      Speak with Frank about this amount

      This is an estimate for education only. Your actual need depends on your full situation. We'll help you fine-tune it on a call.

      Other things to think about

      • Childcare costs if a stay-at-home parent passes away. Their work has real dollar value.
      • Inflation over the years your family depends on the benefit.
      • Work coverage that ends if you change jobs.
      Home / More About Everstand

      More About Everstand

      Who we are, who leads us, and the standard behind every policy we write.

      Frank Carmona, founder and CEO of Everstand Life Group
      Founder & CEO

      Frank Carmona

      United in purpose. Unwavering in protection.

      Frank is Chicago raised and studied at the College of DuPage in Glen Ellyn. He learned the business of serving people on the showroom floor, starting at Gerald Nissan in Naperville and moving up to Maserati in Naperville. Years of handing over keys taught him how much trust a big decision takes, and how rarely people get honest guidance when it matters most.

      He moved into life insurance for one main reason: to provide true value to his clients. As founder and CEO of Everstand Life Group, he brings that same standard to every family: shop the market, explain it plainly, and stay with them for the long run.

      • (773) 793-0551
      • v.frankcarmona@gmail.com
      • NPN: 21767112
      • Licensed in 14 states
      Book a Call with Frank See What Clients Say on Facebook Verify My Licenses
      The Everstand Standard

      What we STAND for. Every client, every time.

      Steadfast Work

      We take pride in doing it right. Every quote is shopped across carriers, every application is checked twice, and every question gets a straight answer.

      Trusted Relationships

      You are not a policy number. We learn your family, your goals and your budget, and we earn your trust one honest conversation at a time.

      Always Honest

      We recommend what fits you, not what pays us most. If something isn't right for your family, we'll tell you, and we'll tell you why.

      Network

      Our strength is in our connections: carriers, partners and clients who send us the people they love. As our network grows, every family in it is better served.

      Devoted for Life

      The sale is not the finish line. We review your coverage as life changes, so the protection you chose still fits the life you're living.

      Ready to stand with Everstand?

      Speak with Frank
      Home / Join Everstand

      Build your career with Everstand

      We're growing a team of agents who take pride in the work, put clients first and want to build something that lasts.

      Why agents join Everstand

      Stand on a team that stands with you

      Independent

      Access to multiple top-rated carriers, so you can find the right fit for every client instead of selling one company's product.

      Training & mentorship

      Learn the products, the process and the conversations from people doing it every day. New and experienced agents both welcome.

      Your schedule

      Build your business on your time, full time or part time, from home or in the field.

      A real team

      The same Everstand standard we promise our clients guides how we treat each other, every day.

      Apply to join Everstand

      Takes about two minutes. Frank will personally reach out.

      Please enter your first name.
      Please enter your last name.
      Please enter a valid email.
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      Please choose one.

      By clicking "Send My Application," you agree that Everstand Life Group may contact you by phone, email and text message about joining our team. Consent is not a condition of anything. Message and data rates may apply. Reply STOP to unsubscribe. See our Privacy Policy.

      A note from Frank

      “I got into this business to give people true value. I'm building Everstand with agents who feel the same way. If that's you, I want to hear from you.”

      Frank Carmona
      Founder & CEO, Everstand Life Group

      Home / Reviews

      What clients are saying

      Real feedback from the families and individuals Frank has helped protect.

      Client reviews

      Reviews from families Frank has helped

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      Home / Privacy Policy

      Privacy Policy

      How Everstand Life Group collects, uses and protects your information.

      Effective October 4, 2026

      Everstand Life Group ("we," "us") is an independent life insurance agency run by Frank Carmona, a licensed insurance producer. This policy explains what information we collect through everstandlifegroup.org and how we use it.

      Information we collect

      • Information you give us: when you request a quote, book a call or leave a review, we collect what you enter, such as your name, email, phone number, age, state, the coverage you're interested in, your preferred contact time and any notes. Reviews include your name, optional city and your comments.
      • Information collected later: if you apply for coverage, we may collect additional details the insurance company requires, such as health, beneficiary and payment information. That information is handled under the insurance company's privacy notice as well as this one.
      • Technical information: like most websites, our hosting provider may log basic data such as your IP address, browser type and pages visited. We do not use advertising cookies on this site.

      How we use your information

      • To contact you about your request by phone, text or email.
      • To prepare quotes and help you apply with the insurance companies we represent.
      • To schedule and confirm appointments.
      • To display reviews you've given us permission to share.
      • To service your policy and meet legal and regulatory requirements.

      How we share your information

      We do not sell your personal information. We share it only:

      • With insurance companies you choose to get quotes from or apply with.
      • With service providers that help us run our business, such as website hosting, scheduling (Google Calendar), form storage (Google) and email or texting services. They may use it only to provide those services to us.
      • When required by law, regulators or to protect our rights.

      Text messaging: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent are never shared with or sold to anyone. See our SMS Terms.

      Your choices

      • Reply STOP to any text to stop text messages.
      • Ask us at any time to stop calling or emailing you.
      • Ask us to access, correct or delete the information you gave us through this website, subject to records we must keep by law.

      How we protect your information

      We use reasonable safeguards to protect your information and limit access to people who need it to serve you. No website or online service is 100% secure.

      Children

      This website is meant for adults. We do not knowingly collect information online from anyone under 18.

      Changes

      We may update this policy from time to time. The effective date above shows when it last changed.

      Contact us

      Everstand Life Group · Frank Carmona, licensed insurance producer (NPN 21767112)
      Phone or text: (773) 793-0551
      Email: v.frankcarmona@gmail.com

      Home / Terms of Use

      Terms of Use

      The terms that apply when you use everstandlifegroup.org.

      Effective October 4, 2026

      By using everstandlifegroup.org, you agree to these terms. If you don't agree, please don't use the site.

      Information only

      Content on this site, including articles, examples and calculators, is general educational information. It is not legal, tax or financial advice, and it is not an offer or contract of insurance. Talk with a licensed professional about your own situation.

      Quotes and coverage

      Any rate, range or estimate is for illustration only. Actual coverage, pricing and eligibility are decided by the insurance company and depend on underwriting, including age, health and other factors. Coverage starts only when the insurance company approves your application and the policy is issued and in force. Policy terms, benefits, limitations and exclusions are in the policy itself.

      Licensing

      Frank Carmona (legal name Frank Vezain-Carmona, NPN 21767112) is licensed to sell life insurance in Arkansas, Illinois, Iowa, Louisiana, Michigan, Mississippi, Ohio, Pennsylvania, South Carolina, Texas, Virginia, Washington, West Virginia and Wisconsin. Products and availability vary by state and insurance company. You can verify licenses on the Licenses tab on the More About Everstand page.

      Insurance companies

      Everstand Life Group is an independent agency and is not an insurance company. Insurance company names and logos appear only to identify the companies we're appointed with and don't imply endorsement.

      Reviews

      By submitting a review and checking the permission box, you allow us to post your review, first name and city on this site. Please keep reviews honest and respectful. We may decline or remove reviews that are false, offensive or contain private information.

      Communications

      If you submit a form, you agree we may contact you as described on the form and in our SMS Terms and Privacy Policy.

      Other websites

      Links to other sites, such as insurance companies, NIPR or Facebook, are provided for convenience. We aren't responsible for their content or practices.

      Limitation of liability

      This site is provided "as is." To the extent allowed by law, Everstand Life Group is not liable for damages that come from using or not being able to use the site or relying on its general information.

      Governing law

      These terms are governed by the laws of the State of Illinois.

      Contact us

      Everstand Life Group · Frank Carmona, licensed insurance producer (NPN 21767112)
      Phone or text: (773) 793-0551
      Email: v.frankcarmona@gmail.com

      Home / SMS Terms

      SMS Terms

      How text messaging from Everstand Life Group works.

      Effective October 4, 2026

      Program description

      When you request a quote or book an appointment and agree to be contacted, Everstand Life Group may send you text messages about your request, including follow-ups, appointment confirmations and reminders, and information about your coverage options.

      Consent

      By submitting a form on this site with your phone number, you agree to receive calls and text messages from Everstand Life Group at that number, including messages sent using automated technology. Consent is not a condition of purchase.

      Message frequency and cost

      Message frequency varies based on your request. Message and data rates may apply depending on your mobile plan.

      How to stop or get help

      • Reply STOP at any time to unsubscribe. You'll get one message confirming you've been unsubscribed, and then no more texts.
      • Reply HELP for help, or contact us at (773) 793-0551 or v.frankcarmona@gmail.com.

      Carriers

      Mobile carriers are not liable for delayed or undelivered messages.

      Privacy

      No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent are never shared with or sold to anyone. See our Privacy Policy.

      Contact us

      Everstand Life Group · Frank Carmona, licensed insurance producer (NPN 21767112)
      Phone or text: (773) 793-0551
      Email: v.frankcarmona@gmail.com