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About Principled Life

As your independent life insurance brokers, our first and last priority is to make sure your family feels safe, secure, and protected under a policy that fits your life.

Aaaaaaand you're covered.

We make life insurance as simple as that.

Navigating the deep, dark waters of life insurance has never been for the faint of heart. From well-meaning but pushy corporate insurance agents to faceless, nameless online applications that leave you with more questions than answers, the hurdles to protecting your family’s future can be downright dehumanizing. It’s no wonder so many people put it off.

For us, life insurance is personal. Principled Life was built on the conviction that everyone deserves the peace of mind life insurance brings, buoyed by the knowledge that there are life insurance plans to fit every family and every budget. The perfect plan is out there – it’s just a matter of finding it for you.

Not your Average Life Insurance Company

Give us 30 minutes and we’ll find insurance that fits your life.

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Family Oriented

Our founder – Todd Horowitz – values his family above all else. Likewise, all of us at Principled Life want to make sure your family is safe, secure, and prepared for all eventualities. The best way to do this? Life insurance.

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Efficiency, Efficiency, Efficiency

We know you’re busy. That’s why we like to talk one-on-one to quickly determine your life insurance needs, get all of the important questions out of the way, and find you the best policy at the best rate that same day.

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Our Mascot is Cellophane

Just kidding… but it could be. We know there’s a negative perception of the insurance industry and our way to change hearts and minds is through full transparency. We promise to provide you with honest advice and your best options – and second opinions are always encouraged.

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We Work for You

Principled Life is an independent life insurance broker – meaning we work for you, not the insurance companies. Our entire system is set up to find the best policy for you. And whether you get insurance from us or somewhere else, we just want to make sure you’re well informed and fully covered.

Our Job Is Pretty Straightforward

We shop the best insurance companies to find the right type of coverage at the best price to fit you and your life.

Mutual of Omaha Life Insurance

Mutual of Omaha Life Insurance

John Hancock | Vitality Life Insurance

John Hancock | Vitality Life Insurance

American International Group Life Insurance

American International Group Life Insurance

Aetna Life Insurance

Aetna Life Insurance

Gerber Life Insurance

Gerber Life Insurance

Americo Life Insurance

Americo Life Insurance

Liberty Bankers Life Insurance

Liberty Bankers Life Insurance

Simply Better Life Insurance

Simply Better Life Insurance

Foresters Financial Life Insurance

Foresters Financial Life Insurance

Great Western Insurance Company

Great Western Insurance Company

American Amicable Life Insurance

American Amicable Life Insurance

Guarantee Trust Life Insurance

Guarantee Trust Life Insurance

Sentinel Security

Sentinel Security

Trinity Life

Trinity Life

Prosperity Life Group

Prosperity Life Group

Learn more about our process

The Ins and Outs of Life Insurance Brokers

What is a life insurance broker? Expand

An independent life insurance broker is an insurance expert who works with consumers to find them the best policy available that meets their insurance needs. Life insurance brokers are not beholden to any single life insurance company and provide their customers with a variety of life insurance options from multiple insurance companies.

Principled Life is a life insurance broker company – not a life insurance company.

How does Principled Life make money? Expand

Good question. We make a commission on the life insurance policy we find for you – kind of like a finder’s fee. In addition to their own agents, insurance companies rely on independent brokers like us to “sell” their policies and they have already baked this fee into the cost of their life insurance policies, no matter who finds it for you.

Our commissions vary from company to company, policy to policy, person to person based on a whole host of factors, but we believe it all comes out the same in the wash. We don’t play favorites and we don’t believe in frivolous add-ons or insurance riders. Our biggest concern is finding the right life insurance policy to fit your life.

What states is Principled Life licensed in? Expand

We are licensed in almost all 50 states (we're working on the rest!), meaning we find you a great life insurance policy no matter where you live.

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Join Our Team of Expert Life Insurance Brokers

Want to build a career you can stand behind while helping others find peace of mind? Find your place here at Principled Life.

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18 Division Street, Saratoga Springs, New York 12866
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We are not affiliated with any plan or endorsed by any government entity or agency. We connect individuals with insurance providers and other affiliates (collectively, “Partners”) to give you, the consumer, an opportunity to get information about insurance and connect with licensed insurance agents. By completing the quotes form or calling the number listed above, you will be directed to a Partner that can connect you to an appropriately licensed insurance agent who can answer your questions and discuss plan options. This site is operated in partnership with Principled Life LLC, a licensed insurance agency, operating through its designated agent, [Principled Life], only where licensed and appointed. License numbers are available upon request and are provided where required by law. Principled Life's residence state is NY, where their National Producer Number is 20305338. By using this Site, you acknowledge that you have read and agree to the Privacy Policy and Terms & Conditions.