Built for the conversation, not the paperwork.
Checkmate Financial Group exists for one reason: families deserve a real human to help them protect what matters. We’re a licensed, in-house agency. The agent you talk to is the agent who knows your situation and writes your policy.
Insurance got too transactional. We’re fixing that.
Most people’s experience with life insurance is a form, a quote, and a stranger who disappears after the sale. We think that’s backwards.
The decision to protect your family is personal. It deserves a conversation, not a checkout flow.
So we built CFG around accountability. Our agents are state-licensed and in-house, which means no lead reselling, no anonymous call centers, and no recommendation we can’t stand behind. We get to know the family, the budget, and the goal. Then we shop the whole market to find the honest fit.
And because the most important conversations don’t always happen in English, we have them in Spanish and Portuguese too. Everyone deserves to understand exactly what they’re buying.
Three commitments we don’t bend on.
In-house licensed agents
Accountability you can call. The person who advises you is licensed, on our team, and responsible for your policy from quote to claim.
AI-powered, human-delivered
Our AI instantly shops 40+ A-rated carriers and matches your profile to the strongest options. Then a licensed human reviews every recommendation. Smart technology, real accountability.
Multilingual conversations
English, Spanish, and Portuguese. The family conversation about protection should happen in the language you live in.
I don’t want clients to feel like another policy number. We answer the phone, we know the family’s situation, and we recommend what fits. Not what pays the highest commission.Obada AlsalhaniFounder & CEO, Checkmate Financial Group
Sample quote shown. Pending confirmation from CFG leadership.
The carrier pays us. You never do.
Quotes, advice, and claims help are free. If you buy a policy, the insurance carrier pays Checkmate a commission. You never pay us directly.
And an agent costs you nothing extra: premiums are state-filed rates, so a policy costs the same through us as it does anywhere else. Our agents are paid to find the right fit across 40+ A-rated carriers, not to push any one company’s product.
And once a policy is issued, every state provides a free-look period, typically 10 to 30 days, to review it and cancel for a full refund of premium if it is not right.
What we measure ourselves against.
- IntegrityWe recommend what’s right for you, and we say so plainly. Even when it’s the smaller sale.
- Tailored coverageNo cookie-cutter policies. We fit the plan to your family, not your family to a product.
- ExpertiseLicensed agents who know the products cold and keep learning as the market changes.
- CommitmentWe’re here after the sale. For the review, the update, and the claim that matters most.
- CompassionWe meet families in real moments. We listen first, and we never rush a decision.
The people behind CFG.
Obada founded Checkmate Financial Group on a simple belief: families deserve honest, human guidance when protecting what matters most. He sets the company’s vision and keeps every decision anchored to clients first.
His story →
Braxton runs day-to-day operations, making sure every quote, policy, and conversation moves smoothly from first call to final coverage. He builds the systems and standards that keep CFG fast, accurate, and accountable.
His story →
Davy leads the agent team and the client experience, building a sales culture grounded in education over pressure. He makes sure every family leaves a conversation understanding exactly what they’re getting, and why.
His story →
Salim builds the training that turns licensed agents into trusted advisors. From onboarding to advanced product coaching, he makes sure every agent who represents CFG knows the carriers cold and puts the client’s needs first.
His story →The people who answer the phone.
Real licensed agents, in-house, with names and faces. The person who answers your call is the person who knows your file. Meet a few of them.
Left timeshare to bet on herself. Now one of our strongest final-expense agents.
Read the story →
Runs our Spanish Division. Gets Latino families covered, and trains the agents who do the same.
Read the story →
Licensed agent at Checkmate. Full profile coming soon.
View profile →
Reached the top of timeshare sales, felt the trap, and left to help build Checkmate from day one.
Read the story →
IUL specialist serving families in English and Portuguese. Helped 100+ families put active IUL policies in place.
Read the story →Let’s have the conversation.
A free, no-pressure consultation with a licensed agent. In English, Spanish, or Portuguese.
No obligation. No pressure. A licensed agent reviews every quote.