Influence Financial · Insurance Appointments

Real coverage, from a real person you can verify.

Book a time that works for you. A licensed agent walks you through what actually fits your situation — what it covers, what it costs, and nothing you don't need. No pressure, no jargon.

Why people book with me

The whole approach is transparency. Here's what that means before we ever talk.
You get my real name and license number up front.
Look me up with your state's insurance department anytime.
I work with multiple A-rated carriers — not just one.
You'll always know exactly what the VA and carriers do and don't cover.
Licensed in PA · OH · MI · VA
Multiple A-rated carriers
Verify my license anytime
Appointments on your schedule
Who this is for

Three paths to the right coverage

Pick the one that sounds like you. Each appointment starts the same way — a few honest questions, then real numbers built around your age, health, and what you actually want to protect.

Veterans & Families

Cover the gap the VA leaves behind

You've earned real benefits through the VA — a grave marker, a burial flag, and a plot in a national cemetery. What the VA doesn't cover is the funeral service itself, transportation, or a private plot if your family wants one. That's the gap this fills, so the bill never lands on your spouse.

  • Level whole life built for final expenses
  • Coverage paid directly to the person you name
  • Honest answers about your actual VA benefits
Book a veterans appointment →
Independent agent. Not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs or any government agency.
IUL · Wealth Building

Protection with cash value that grows

Indexed universal life gives you a death benefit and a tax-advantaged place for cash value to build over time — with downside protection tied to market index performance. Best suited for people planning ahead who want more than a burial policy.

  • Death benefit plus indexed cash-value growth
  • Flexible, illustration-based planning
  • Reviewed carefully for suitability, not rushed
Book an IUL consultation →
IUL products currently offered to Pennsylvania residents only. IUL involves market-linked crediting; illustrated values are not guarantees.
Final Expense

Simple coverage that never expires

Straightforward whole life designed to cover funeral and end-of-life costs. Level premiums that never increase, coverage that doesn't term out on you, and a benefit paid to the person you choose. If health questions are a hurdle, a guaranteed-acceptance option is available.

  • Premiums locked level for life
  • Full benefit day one when you qualify
  • Guaranteed-acceptance option available
Book a final expense appointment →
Guaranteed-acceptance plans pay a graded benefit in the first two years, then the full benefit thereafter. Availability and rates depend on carrier underwriting.
Easy · Convenient · On your time

How the appointment works

No cost to talk, and no obligation to buy. You book, I reach out, and we look at your options together.

1

Book

Pick a time on the calendar below that works for your schedule.

2

I reach out

I confirm your time and answer any quick questions before we meet.

3

We review together

We walk through real numbers and find the coverage that fits — your call, no pressure.

Verify before you trust

You should never take an agent's word for it — including mine.

The fastest way to spot someone worth avoiding is that they rush you before you can check them out. I do the opposite. Write down my name and license number, look me up with your state's department of insurance, and only then do we talk.

  • Real name, real numberThe same person on the phone and on the paperwork.
  • Licensed and appointedVerifiable in every state where I write coverage.
  • Straight answersWhat's covered, what isn't, and what it costs — no surprises.
IF
Joshua Bray
Licensed Life Insurance Agent
License / NPN[insert your number]
Licensed statesPA · OH · MI · VA
AgencyInfluence Financial
Direct line(724) 256-6251
Schedule an appointment

Let's find a time that works for you.

Choose a slot below and I'll be in touch to confirm. Bring your questions — that's what the call is for.

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Prefer to call first? Reach me directly at (724) 256-6251.