Independent, not captive
A captive agent can only offer one company's products. I'm a Financial Professional with Global Financial Impact, so I shop options across multiple companies to find what fits you.
Services / Financial services
Your home court · your team
Let's build a game plan for your family's future.
Life insurance, protecting your income, retirement and planning ahead, explained in plain English by someone in your corner. I'm independent, so I shop around for what fits you.
- Free
- No pressure
- No obligation
- Plain English
Hey, I'm Sal.
I'm a husband and a dad of four, so I know how much is riding on every family's plan. My job is to be your coach and teammate: listen first, explain your options honestly, and let you make the call. Even if you just want to learn, a quick chat is worth it. You'll leave knowing more than when you came.
Marsallis “Sal” FairclothLicensed insurance professional · Financial Professional, Global Financial Impact
What we can talk about
Bring any question. Here's where most people start.
-
Life insurance
What it is, how it works, term vs. permanent, and how much might make sense for your family. No jargon.
Talk about this: Life insurance → -
Protecting your income & family
If your paycheck stopped tomorrow, what would your family need? We look at the bills, the mortgage and the kids' future.
Talk about this: Protecting your income & family → -
Retirement & saving
Starting your nest egg, or checking that you're on track. I explain insurance-based options in plain English.
Talk about this: Retirement & saving → -
Planning for the future
College, a home, a business, leaving something behind. Big goals, one simple game plan.
Talk about this: Planning for the future → -
Reviewing a policy you already have
Got coverage through work or an old policy? I'll help you understand what you have, and whether it still fits.
Talk about this: Reviewing a policy you already have → -
Just seeing what's out there
Not sure what you need yet? That's the most common starting point, and a perfect reason to chat.
Talk about this: Just seeing what's out there →
30-second warm-up
Find your starting point
Four quick taps and I'll suggest what we could talk about. Nothing is saved or sent unless you choose to send the form.
Pick a starting point, then send the short form below:
Why talk to me
A teammate, not a salesperson
Laid-back & client-first
No pressure, no hard sell, no obligation. You set the pace, and "not right now" is always a fine answer.
Plain English, always
I'm the guy who explains things so they click. You'll leave the chat understanding your options, even if you don't do anything yet.
Before joining Global Financial Impact (opens in a new tab), I was a New York licensed supervising agent at Globe Life.
How a chat works
Three easy plays
- 1
~15 min
The huddle
A relaxed call, text or video chat. You tell me about your family, your goals and what's on your mind.
- 2
on me
Scouting the options
I compare options across companies and lay them out side by side, in plain English, with the trade-offs.
- 3
your pace
Your call
You decide if and when. If you move forward, I help with the paperwork and stay your teammate for questions later.
Who it's for
If you're on this list, let's talk
- Young families
- New & expecting parents
- Homeowners & first-time buyers
- Small business owners & self-employed
- Anyone who hasn't reviewed their coverage in a while
- People starting to think about retirement
Beginner FAQ
Questions people ask first
Do I really need life insurance?
Not everyone does. It's usually worth a look if someone depends on your income: a spouse, kids, a business partner, or anyone who would struggle with the bills if you weren't here. If nobody relies on you financially, you may need little or none, and I'll tell you that.
What's the difference between term and permanent life insurance?
Term life covers you for a set number of years (for example, while the kids are growing up or the mortgage is being paid). Permanent life insurance is designed to last your whole life, and some types can also build cash value. Each has trade-offs in cost and flexibility, and the right choice depends on your goals.
How much coverage do I need?
It depends on your situation. A common starting point is to add up what your family would need: income replacement for some years, debts, the mortgage, childcare and future goals like college. We'll work through it together.
How much does it cost?
It depends on things like your age, health, the amount of coverage, the type of policy and the insurance company. That's why there are no prices on this page. On a free chat I can look at real options for your situation, with no obligation.
I already have insurance through work. Is that enough?
Maybe, maybe not. Work coverage is a great start, but it often stays with the job. A quick review can show what you have and whether there are gaps for your family.
Will I need a medical exam?
Sometimes. Some policies require an exam and others don't. It depends on the company, the amount of coverage and your health. Every application is reviewed by the insurance company before it's approved.
Can you help with retirement planning?
I can help you think through your goals and explain insurance-based options that can be part of a retirement plan. Some services need separate licenses or professionals, and I'll be upfront about what I can and can't help with.
Is the chat really free? Will you pressure me?
Yes, it's free and there's no obligation. My approach is laid-back and client-first: I explain, you ask questions, and you decide on your own timeline.
Free 15-minute chat
Let's find a time to talk
Send a quick note and I'll reach out the way you prefer. Prefer to just talk? Call or text me any time.
What to expect: a friendly conversation, honest answers and zero pressure. Your information is only used to reply to you, never sold or shared.
Marsallis Faircloth, licensed insurance professional, License #LA-1933647.
Content on this site is educational and not financial, legal or tax advice. Products and availability vary by state and individual situation.