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Your Life Protect LLC

Your Life Protect LLC is your one-stop shop for insurance and asset protection with a focus on customer service. We offer all lines of insurance – home, auto, commercial, life, health, medicare, and Christian sharing plans. Too many agencies offer products strictly based on commission and have little product knowledge or poor customer service. We wanted to create a place where people will get concierge service and know they are getting the best policy at the lowest price in order to meet their needs. We strive to understand exactly what you are buying and why it is beneficial to you, allowing us to give you the proper help you need at a price you can afford. We broker for over 40 property and casualty companies and over 50 life and health companies, and bring the same know-how and expertise to each and every project we tackle.


10307 North Main Street
Richmond, Illinois 60071

Office Hours

  • Monday 09:30 AM - 06:00 PM
  • Tuesday 09:30 AM - 06:00 PM
  • Wednesday 09:30 AM - 06:00 PM
  • Thursday 09:30 AM - 05:00 PM
  • Friday 09:30 AM - 05:00 PM
  • Saturday Closed
  • Sunday Closed

Why our clients choose us

“"My husband Peter and I were extremely happy with the service that Terry provided. He matched our policy with our specific need and even after our policy was issued, he continued to respond to all our questions and concerns. I would surely recommend him to anyone. Thank you Terry."”
“"I finally found an agent that looks out for my best interests with the right insurance Co. He considers all the options available to me and discusses what will work best for my situation whether it be Home, Car, or Life Insurance. I have saved quite a bit of money with Terry and would recommend him to anyone." --Debbie”
“"Terry made the transition from my current carrier as easy as possible. His notes and following were complete and thoughtful. I look forward to working with him in the future." -- Joe”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
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