Welcome to 123 Life Insurance, where protecting families and building financial security is our top priority. We believe life insurance should be simple, transparent, and accessible—without the confusing jargon or high-pressure sales tactics people often experience elsewhere.
123 Life Insurance is an independently owned life insurance agency dedicated to helping individuals and families understand their options and choose the right coverage for their needs. We work with reputable insurance carriers across the country to provide straightforward guidance, competitive pricing, and personalized solutions.
Our mission is simple: Help people protect what matters most—with clarity, honesty, and real education.
Making life insurance understandable
Helping clients compare options without stress
Providing real guidance based on their goals
Ensuring families are financially protected no matter what happens
Who We Serve
We proudly work with:
Individuals and families looking for life insurance
Business owners seeking key-person or buy-sell coverage
People who want to compare policies without pressure
Anyone interested in protecting income, legacy, or long-term financial stability
Whether you're looking for term life, whole life, IUL, final expense, or supplemental coverage, we can help.
Why Choose 123 Life Insurance?
Independent & Client-Focused
We are not tied to any single insurance company. That means we can shop around and help you compare policies to find the best solution—not the one that pays the most commission.
Simple & Straightforward Process
No confusing terminology. No long sales presentations. Just honest guidance and easy-to-understand explanations.
Education First
We believe an informed client makes the best decision. That's why we provide tools, videos, and resources to help you understand your options before choosing a policy.
Meet the Owner – Michael Mandarino
123 Life Insurance is owned and operated by Michael W. Mandarino, a licensed independent life insurance professional who has been helping clients with financial planning and protection strategies since 2002.
Michael is also a United States Military Academy at West Point graduate and a U.S. Army Veteran, bringing the same principles he lived in the military—duty, honor, integrity, and service—to every client relationship.
Michael is known for:
Explaining complex concepts in simple, real-world terms
Putting clients before commissions
Offering a pressure-free experience
Being available, responsive, and transparent throughout the process
He created 123 Life Insurance to offer a place where clients can feel comfortable, supported, and confident in the decisions they make.
Our Commitment to You
At 123 Life Insurance, you're not just a policy number—you're family. We commit to:
Honesty and integrity
Respect for your goals and budget
Straightforward communication
Providing value at every step
Our goal is to be your trusted partner today, tomorrow, and for years to come.
Get in Touch
Have questions or want to explore your options? We're here to help.