One advisor, one standard, and the single best solution for your family. Nathan compares top-rated carriers to protect your home, your wealth and the people who count on you, with clear communication and complete transparency.
Most families are handed a stack of options and left to sort them out alone. At SOLO, you get one advisor who does the sorting for you. Nathan studies the market, weighs every carrier, and brings back the single best solution for your family, then explains exactly why it's the right one.
No pressure, no fine print surprises, no hand-offs. Just one person who answers the phone, tells you the truth and stands behind every policy he writes. That's the standard, and it's the only one we keep.
Four disciplines, done at the highest level. Not sure which fits? A private consultation will tell you.
Your family keeps the home, whatever happens. Choose equity protection to keep the monthly payments going, or a full pay-off of the balance.
Learn how it works →Fixed premiums, a guaranteed death benefit and cash value that grows every year. Built to pass wealth to the next generation.
Compare your options → Maximum coverage, lowest costLarge amounts of coverage for the years your family needs it most, at the lowest price per dollar of protection.
Term vs. whole life → Fixed & indexed annuitiesShield your savings from market drops while still earning interest, with income options you can't outlive.
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Founder, SOLO Financial Services
Born and raised in Glendale, Arizona, Nathan moved to Chicago on a single conviction: that insurance would be his career. He built SOLO on clear communication, ethical business and complete transparency, so every client gets the single best solution and an advisor who stands behind it.
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.
Tell us a little about yourself and Nathan will reach out at a time that works for you. We'll compare our carriers before the call so you get real numbers, not a sales pitch.
Takes about a minute. Fields marked optional can be skipped.
Nathan will reach out at the time you chose to go over your options. You'll also hear from us at the number you gave.
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Nathan will call you at the time you chose. Prefer to reach out first? Call or text anytime.
Call or text Nathan directly at (602) 694-6778.
Call (602) 694-6778Mortgage 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.
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.
Enter your monthly mortgage payment and choose how long you'd want it covered. The numbers filled in are an example.
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.
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.
| Equity Protection | Full Pay-Off | |
|---|---|---|
| Type of coverage | Permanent whole life | Term life |
| What it covers | Your mortgage payments for the period you choose | The full mortgage balance |
| How long it lasts | Your whole life | The term you pick (15–30 years) |
| Premiums | Fixed for life | Fixed for the term |
| Cash value | Yes, guaranteed | No |
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.
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.
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.
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.
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. We'll get you real quotes.
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.
In most cases the death benefit is paid to beneficiaries free of federal income tax. Talk to a tax professional about your specific situation.
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.
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.
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.
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.
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.
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.
| Term Life | Whole Life | |
|---|---|---|
| How long it lasts | A set term: 10, 15, 20, 25 or 30 years | Your entire life, as long as premiums are paid |
| Cost | Lowest cost for the most coverage | Much higher premiums for the same death benefit |
| Premiums | Level during the term, then rise sharply or end | Fixed for life |
| Cash value | None | Guaranteed cash value that grows and can be borrowed against |
| Best for | Income replacement, mortgage, raising kids | Final expenses, estate planning, lifelong needs |
| If you outlive it | Coverage ends (unless you have return of premium or convert) | Always pays out, as long as it stays in force |
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.
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.
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.
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.
DIME adds up four things your family would need to cover:
Then subtract coverage and savings you already have. Try it below. The numbers filled in are an example; replace them with your own.
Who we are, who you'll work with, and the standard behind every policy.
Singular focus. Lasting legacy.
Nathan was born and raised in Glendale, Arizona. He moved to Chicago on a single conviction: that insurance would be his career, and that he would build it the right way.
He prides himself on clear communication, ethical business and complete transparency. At SOLO, there are no call centers and no hand-offs to strangers. Nathan alone works your case, compares the market and delivers the single best solution for your family, then stays with you for the life of the policy.
Don't just take my word for it. Every license below can be confirmed on NIPR, the national insurance producer registry used by state insurance departments. It takes about a minute.
My legal name on state records is Nathan Solomon Caldwell-Meeks.
Every agent on Nathan's team is trained by him and held to the same promise: clear communication, ethical business and complete transparency.
Younkon Lee
Legal name on state records: Younkon Lee (DBA Martin Lee). To verify, tap Verify, choose License number on NIPR, paste the number and pick the state.
Coverage built to hold when it matters most. We place your policy with financially strong carriers and structure it to do exactly what you need it to do.
Because we're independent, we see options a single-company agent can't offer. Our job is to find the one that gives your family the most for every dollar.
What you build should outlast you. We design protection that keeps the home, replaces the income and passes wealth to the next generation.
We own every promise. Clear communication, ethical business and full transparency, from the first call through the life of your policy.
Real feedback from the families and individuals Nathan has helped protect.
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Effective October 4, 2026
SOLO Financial Services ("we," "us") is an independent life insurance agency run by Nathan Meeks, a licensed insurance producer. This policy explains what information we collect through solofinancialservices.com and how we use it.
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SOLO Financial Services · Nathan Meeks, licensed insurance producer (NPN 21684774)
Phone or text: (602) 694-6778
Email: nathanmeeksins@gmail.com
Effective October 4, 2026
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SOLO Financial Services · Nathan Meeks, licensed insurance producer (NPN 21684774)
Phone or text: (602) 694-6778
Email: nathanmeeksins@gmail.com
Effective October 4, 2026
When you request a quote or book an appointment and agree to be contacted, SOLO Financial Services may send you text messages about your request, including follow-ups, appointment confirmations and reminders, and information about your coverage options.
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SOLO Financial Services · Nathan Meeks, licensed insurance producer (NPN 21684774)
Phone or text: (602) 694-6778
Email: nathanmeeksins@gmail.com