About Us
Headwaters Financial Group LLC. Is an agency partnered with North American Senior Benefits (NASB), one of the top final expense brokerages in the country, backed by the Integrity Marketing Group. With an A+ rating from the Better Business Bureau and consistent year-over-year growth. We pride ourselves on valuing relationships while serving as knowledgeable, trusted advisers throughout our clients' lifetime.
Integrity Marketing Group is the largest life and health insurance brokerage in the country, distributing one out of every three Final Expense plans sold in America. Through their support, Headwaters Financial Group is positioned to have a season of growth in 2026.
While we offer a wide range of products and services in the financial market, our focus is on providing senior-based insurance solutions, specializing in Simplified Issue Whole Life Insurance (SIWL). With an unmatched culture in this industry, We are dedicated to building valued relationships and providing superior sales expertise with integrity to both our clients and our partners.
Why Life Insurance?
Our Clients
As people age, the senior market gradually expands, often catching companies off guard. The final expense industry closely follows the Baby Boomer generation, which experienced the largest population increase in history. Between 1942 and 1964, approximately 76 million people were born. Tapping into this demographic is incredibly promising, as it's currently experiencing a boom. The number of individuals over 65 is growing rapidly each year, now making up about 20% of the total population. In fact, the growth rate of those over 65 is more than three times faster than the overall population growth rate. With this accelerated growth comes three times more opportunities and a greater demand for products and services tailored specifically to senior needs.
The Demand
Financial services cover a wide range of support and solutions for the industry, with insurance being a key component. This market is set to grow from $25 billion in 2025 to over $36 billion by 2030. While no industry is completely recession-proof, life insurance and financial services are known to be relatively resilient during economic downturns. As the saying goes, death and taxes are life's only guarantees — and while we can't profit from taxes, we can serve a market that always has a need: life insurance.
Demand for life insurance surged 20% from 2024 to 2025 — one of the largest increases since 1987. People need it, and there's a tremendous opportunity to help them while building a successful career. The numbers show ongoing growth and demand, making it clear: becoming an agent can open endless possibilities. How far you want to go is entirely up to you!
The Right Team
At Headwaters Financial Group, we take pride in our dedicated team and the culture we've cultivated. We intentionally created an environment that is supportive, honest, and driven by hard work.
We operate like a family—collaborative, genuine, and committed to building meaningful relationships with our team and clients. Being part of a team that feels right for you is essential, and we believe that with us, you'll find a place where you can thrive.
We're in business for ourselves, but never by ourselves. Our system provides agents with three key factors for success: fair conditions—an open and growing market with high demand, ongoing training, mentorship, and support. Our in-house lead distribution system reliably and predictably supplies us with qualified prospects, so we can focus on serving our clients and growing together.
Our Services
Burial Coverage and Final Expenses
Burial coverage and final expense insurance are designed to help ease the financial burden on your loved ones during a difficult time. These policies provide funds to cover funeral costs, cremation, and other last expenses, ensuring your family can focus on remembering and honoring you without the added stress of financial worries. It's a simple, affordable way to leave a lasting legacy and offer peace of mind for everyone involved.
Term Insurance and Mortgage Protection
Term insurance provides coverage for a specific period, offering a cost-effective way to protect your loved ones financially if something happens to you during that time. It helps cover ongoing expenses, income replacement, or debts, giving you peace of mind.
Mortgage protection insurance is a type of term insurance designed specifically to pay off your mortgage if you pass away before it's fully paid. It ensures your family can stay in their home without the worry of future mortgage payments, providing security and stability during difficult times.
Retirement Plans and Annuities
Whether you're planning for early retirement, securing your future, or ensuring a steady income later in life, retirement plans and annuities are designed to help you achieve your long-term financial goals.
Retirement plans, such as IRAs and 401(k)s, allow you to save and grow your wealth over time with tax advantages, helping you build a secure financial foundation for the future. Annuities provide a consistent stream of income during your retirement years, offering peace of mind and stability when it’s time to enjoy life after work.
