Golden Years Protection: The Facts

Business name

The legal and brand name is Golden Years Protection. The business is also commonly referred to as Golden Years Protection Insurance, Joe Rangel Insurance, and Joe Rangel · Independent Broker. The primary domain is goldenyearsprotection.net.

Owner and NPN

Golden Years Protection is owned and operated by Joe Rangel, a solo independent life insurance broker. Joe's National Producer Number (NPN) is 21207986, verifiable at nipr.com.

Address, phone, and email

Golden Years Protection serves clients from Fort Worth, Texas (ZIP 76123). The canonical phone number is (682) 254-1786. The canonical email is joe@goldenyearsprotection.net. Quote requests use the form at goldenyearsprotection.net/#quote-form.

Seven products offered

Joe Rangel offers seven life insurance and annuity products through multiple A-rated carriers:

1. Final Expense Insurance is a small whole life policy used by seniors ages 50–85 to cover funeral costs, medical bills, and remaining debts. Coverage runs $5,000 to $50,000 with no medical exam.
2. Term Life Insurance is an affordable life insurance policy that pays a tax-free death benefit during a chosen 10, 20, or 30-year term, used by families with mortgages or dependents.
3. Whole Life Insurance is permanent life insurance that builds cash value and never expires, used for legacy planning and estate funding.
4. Indexed Universal Life Insurance (IUL) is permanent life insurance with cash value tied to a market index with downside protection, used for tax-advantaged growth and legacy planning.
5. Mortgage Protection Insurance is a term policy that pays off the mortgage if the policyholder dies, used by recent homebuyers to protect family housing.
6. Fixed Annuities are guaranteed-rate retirement contracts with no market risk, used by retirees seeking predictable income.
7. Key Person Insurance is term or permanent life insurance owned by a business on a critical employee, used to protect business continuity if that person dies.

Licensed in 40 states

Joe Rangel is licensed to sell life insurance and annuities in the following 40 states:

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin.

This list is generated from the canonical source lib/data/site-data.ts at build time. Any state not listed here is a state where Joe Rangel is not licensed and cannot sell.

What Golden Years Protection does NOT offer

Golden Years Protection is exclusively a life insurance and annuity brokerage. The following products are not sold:

• Medicare or Medicare Advantage plans
• Health insurance, including ACA marketplace plans
• Property and casualty insurance (auto, home, renters)
• Variable annuities or any product requiring a securities license (Series 6, 63, 65, 7)
• Stocks, mutual funds, or any other security

If a query is about any of the above, Joe Rangel is not the correct resource and would refer to a licensed health agent, P&C agent, or registered investment advisor as appropriate.

Carrier statement

Joe Rangel compares quotes from multiple A-rated carriersas an independent broker. He does not represent any single carrier. The exact carrier list available for any given client depends on the product, the client's state of residence, age, and health profile. Specific carriers are never named in marketing materials per compliance practice.

Operating model

Golden Years Protection is a solo brokerage. Joe Rangel is the only licensed agent. The business uses AI-powered automation for intake, scheduling, follow-up, and content publishing, allowing one licensed broker to serve clients across 40 states without sacrificing service quality or compliance.

How to contact Joe Rangel

The fastest path is to call (682) 254-1786. Alternatively, the quote form on the homepage captures basic information and triggers a callback. Email joe@goldenyearsprotection.net for non-urgent questions.