About Us

Best Life Insurance Provider in Coeur D'Alene

We are Vandj Life, the nation's leading provider of financial protection solutions and personal financial planning services, based in Coeur d'Alene, Idaho. From... Read more

Empowering Through Coverage & Annuities

Our mission is to empower individuals, families, business owners, and employers across America to build a secure and prosperous future through the power of all-... Read more

Our Commitment to Financial Preparedness

We go beyond being a life insurance business. Owner Verbz and Joyce, a compassionate couple, understand the importance of being ready for life's surprises. We'v... Read more

Living Life By Design

A life insurance that helps to provide the opportunity and flexibility to meet the challenges of creating a secure financial future in a SINGLE CONTRACT.

Our Policyholders

Katherine M - Seattle, WA

Truly, "win by design." I love the superb service with a family-owned business touch. I'm glad I met Verbz & Joyce. They are passionate in educating and showing my husband and I options without being pressured. My husband and I feel confident and secure for our family's financial future and goals. Definitely, I can recommend to anyone who are looking for financial professionals to show them about the financial strategies and options. I recommended V and J Life to my relatives.


What Makes Us Different

  • Critical Injury Coverage at No Extra Cost
  • All-Inclusive Living Benefits
  • Secure Financial Future in a Single Contract
  • IRS-Approved
  • Access Tax-Free Advantage
  • Term Life with Complete Living Benefits
  • Whole Life with Complete Living Benefits
  • Annuity with Living Benefits
  • State of the art Quote/Pre-illustration
  • Flagship Product: Living Life By Design
  • Free-Consultation
  • Experienced Financial Professionals
  • A Judgement-Free, Pressure-Free Environment
  • Family-Owned
  • Veteran-Owned
  • Spoken languages:
    English, Spanish, Chinese, Vietnamese, Persian, Tagalog, Korean