About Us

At DERAY Life & Annuity, we bring more than 20 years of experience helping clients secure their financial futures. Over the years, we’ve guided individuals, families, and businesses through the important decisions that shape long-term financial stability. Our mission is simple: to give you confidence, clarity, and peace of mind with solutions designed specifically for your goals.

We offer a full range of life insurance options, including:

Term Life Insurance – affordable protection for a set period of time
Whole Life Insurance – lifelong coverage with guaranteed benefits
Universal Life Insurance – flexible coverage that grows with your needs
Indexed Universal Life Insurance (IUL) – combines life protection with market-linked growth potential
Final Expense Insurance – simple plans to cover end-of-life costs

In addition, we provide annuity solutions designed to support your retirement planning and income security:

Fixed Annuities – guaranteed returns and predictable income
Indexed Annuities – growth potential tied to market performance with protection
Immediate Annuities – income that begins right away for retirement or other needs
Deferred Annuities – long-term growth with tax advantages for the future

What sets us apart is not just the products we offer, but the personal guidance we provide. Every client’s situation is unique, and we take the time to explain your options clearly so you can make confident decisions for yourself and your loved ones. At Bouclier Life & Annuity, we don’t just sell policies — we help you build a financial foundation you can depend on.