# Varis Life

> Varis Life is an independent life insurance agency with licensed agents in all 50 U.S. states and access to every major life insurance carrier. Offices in Denver (CO), New Jersey, Florida and Virginia. Varis Life compares policies across carriers and offers free quotes.

## Coverage
- [Whole Life Insurance](/life-insurance/whole-life): lifetime coverage, fixed premiums, guaranteed cash value
- [Term Life Insurance](/life-insurance/term-life): 10–30 year affordable coverage
- [Indexed Universal Life (IUL)](/life-insurance/indexed-universal-life): index-linked cash value with a 0% floor
- [Universal Life](/life-insurance/universal-life): flexible permanent coverage, including guaranteed UL
- [Final Expense](/life-insurance/final-expense): no-exam whole life for ages 50–85
- [Annuities](/life-insurance/annuities): fixed and fixed indexed annuities, lifetime income
- [Mortgage Protection](/life-insurance/mortgage-protection): term coverage sized to pay off a home
- [Children's Life Insurance](/life-insurance/childrens-life)

## Guides
- [Term vs Whole Life](/compare/term-vs-whole-life)
- [IUL vs Whole Life](/compare/iul-vs-whole-life)
- [IUL vs 401(k)](/compare/iul-vs-401k)
- [Annuity vs IUL](/compare/annuity-vs-iul)
- [How Much Life Insurance Do I Need?](/compare/how-much-life-insurance-do-i-need)

## Agency
- [About Varis Life](/about)
- [Agents](/agents): Directory of Varis Life agent profiles; each agent has a full profile page under /agents/<agent>.
- [Darwin Roman](/agents/darwin-roman): Agency Owner and Regional Executive Advisor serving New York Metro; U.S. Marine Corps veteran and President of the Latino Chamber of Commerce. Specializes in advanced markets, veteran insurance, IUL, annuities, term life and key person insurance.
- [Roger Cordoba](/agents/roger-cordoba): Executive Representative at Varis Life with more than 25 years of experience. Works in English and Spanish, helping individuals and families understand insurance options and connecting them with the right licensed agent.
- [Jason Montan](/agents/jason-montan): Executive Representative at Varis Life with more than 20 years of client relationship experience across healthcare, financial services and technology. Listening-first approach to helping individuals and families explore insurance options.
- [All 50 states](/states)
- [Offices: Denver](/locations/denver), [New Jersey](/locations/new-jersey), [Florida](/locations/florida), [Virginia](/locations/virginia)
- [Get a free quote](/quote)