William Joel German
Licensed Insurance Agent · Grace & Guard
I started Grace & Guard because I saw a pattern I couldn't ignore: family after family walking through life unprotected — not because they didn't care, but because no one had ever sat down and shown them the real picture.
A missed disability claim. A family losing their home because the breadwinner died without coverage. A widow discovering her late husband's employer life insurance ended when he retired. These are stories that shouldn't happen — and they often don't have to.
My job is simple: help families throughout the U.S. understand exactly where they stand, close the gaps, and put a plan in place before they ever need it. No pressure. No jargon. Just honest advice from someone who genuinely cares about the people he works with.
The Grace & Guard Difference
People Over Policies
Every recommendation starts with your family's real situation — not what pays the highest commission.
Honest Advice
If you're already well-protected, I'll tell you. No upsell, no fluff — just the truth about your coverage.
Long-Term Relationships
I'm not here for a single transaction. I'm here to be your family's protection advisor for years to come.
Licensed & Accountable
Licensed across the U.S., held to strict standards, and 100% accountable to the families I serve.
Licensed & Qualified
Licensed Life & Health Insurance Agent — All 50 States
Life Insurance, Disability, and Annuity Products
Medicare Advantage, Supplement (Medigap), and Part D
Financial Protection Planning Specialist
Independent Agent — Access to Multiple Carriers
“William doesn't sell you anything. He shows you the truth about where you stand, and then helps you fix it. That's rare.”
Frequently Asked
Do you charge for consultations?
No. Initial consultations and the Protection Score quiz are completely free. I'm compensated by the insurance carriers when you choose to purchase a policy — never directly by you.
Where do you serve clients?
I work with families throughout the United States. As an independent agent, I'm able to help clients across the country find the right coverage — no matter where they're located.
Are you independent or captive to one carrier?
I'm an independent agent, which means I have access to multiple carriers. This lets me shop the market and find the best coverage at the best price for your specific situation.
What if I already have insurance through my employer?
Employer group life insurance typically provides 1–2× your salary and stops the day you leave. I'll help you understand whether that's enough and what gaps may exist.
Ready to Find Out Where You Stand?
Take the free 60-second quiz or book a call directly. Either way, I'll be in touch within 24 hours.