We built this because the insurance industry wouldn’t.
Millions of Americans know they need life insurance but never get it. Not because they don’t care about their families, but because the process is confusing, intimidating, and designed to benefit the person selling the policy — not the person buying it.
Try searching “how much life insurance do I need” online. You’ll find calculators that spit out a number with zero context, articles stuffed with jargon, and forms that harvest your phone number so an agent can call you six times before lunch.
The result? Roughly 40% of Americans have no life insurance at all. Among those who do, most are significantly underinsured. The gap between what families have and what they actually need is measured in trillions of dollars.
We started Covian because we believe the fix is education, not another sales pitch. If people understood what life insurance actually does, what the different types mean in plain language, and how to figure out what fits their situation — most of them would take action on their own terms.
What we believe
Education first
We help you understand your options before anyone tries to sell you anything. An informed buyer makes better decisions and gets better outcomes.
No hard sells
No one will call you unsolicited. No bait-and-switch quotes. No pressure tactics. You move at your own pace, always.
Transparency
We tell you what we are and what we’re not. Covian is an educational tool — not a licensed broker, not financial advice, not a substitute for professional counsel.
Privacy
Your information stays yours. We never sell your data to lead aggregators, insurance carriers, or anyone else. Period.
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