Life insurance that protects what you've built.
Term, Whole Life, IUL, and Mortgage Protection — from the country's most trusted carriers.
Partnered with America's top-rated carriers
What I offer
Coverage shaped to your life — not the other way around.
As an independent broker, I compare options across carriers to find the policy that fits your family and budget.
Term Life
Affordable protection for 10–30 year terms.
Whole Life
Lifetime coverage with guaranteed cash value.
Indexed Universal Life (IUL)
Permanent coverage with market-linked growth, no losses.
Mortgage Protection
Keep your family in the home, no matter what.
Annuities
Guaranteed income for a confident retirement.
How it works
Three simple steps to peace of mind.
Quick conversation
A short call to understand your family, budget, and goals.
Compare carriers
I shop top-rated insurers for the best price and product fit.
Apply with confidence
I guide you through underwriting — many policies issue in days.
About Seamus
A broker who treats your family like his own.
Hayes Capital Life is built on a simple idea: life insurance should be straightforward, transparent, and built around the people who matter most.
- Licensed in all 50 states
- National Producer Number: 21203771
- Independent — works for you, not a single carrier
Get in touch
Get coverage options.
Tell me a little about what you're looking for. I'll get back to you within one business day with options that fit your budget and goals.