Critical Situation?
I Got You Covered
My name is Darren Decraene. Faith is First. Proud Georgia Native. Loyal Falcons Fan & Licensed Insurance Broker
My family lives in the beautiful Roswell/Woodstock area. We love our community and are very involved in church, local business & our children's schools.
At Full Armor Agency, we specialize in providing financial protection for critical situations, that REALLY matters. Covering: critical illness, hospital indemnity, loss of income, disability, final expenses & legacy planning. Our goal is to protect your families estate & assets, while you focus on what matters most.
Proudly serving and protecting families in North Georgia since 2026
Critical Illness
Critical illness insurance is a supplemental policy that pays a tax-free, lump-sum cash benefit directly to you upon diagnosis of a covered serious illness (e.g., cancer, heart attack, stroke). Designed to cover expenses health insurance doesn't.
Coverage Amounts: $50K - $300K. These funds can be used for out-of-pocket medical costs, mortgage payments, or any living expenses. Return of Premium (ROP) optional riders that refunds a portion or 100% of the premiums paid
Hospital Indemnity Insurance
Hospital indemnity insurance is a supplemental health insurance that pays a fixed, direct cash benefit. Policies can pay $3,500 + $250 per day for hospitalization. It helps cover out-of-pocket costs—like deductibles, copays, or living expenses—and pays regardless of other coverage. It includes Direct Cash Payments, Guaranteed Coverage & No Network Restrictions
Disability Insurance
Disability insurance is a type of coverage that replaces a portion of your income—typically 40% to 80%—if you become unable to work due to an illness, injury, or pregnancy. It helps pay for living expenses when you cannot earn a paycheck, ensuring financial stability for you and your family. Disability is available in Short Term or Long Term with some policies paying as soon as 7 days after a covered disability
Income Replacement
Term life insurance is a key component of income replacement. Average Coverage Amounts: $250K- $1Million. It is primarily used for covering debts (like a mortgage), and funding children’s education. It provides your family protection by preventing the need to liquidate other estate assets. It provides a large, immediate face value for a relatively low cost, ensuring financial stability for beneficiaries.
Legacy Planning
Whole life insurance is a permanent policy providing guaranteed, lifelong coverage. Average Coverage Amounts $100K - $2 Million. It offers fixed premiums and a cash value component that grows tax-deferred. It acts as both a safety net and a financial asset, offering a guaranteed death benefit. Policyholders can also borrow against or withdraw from this cash value to fund needs like retirement, a new home, or business expenses. Your estate and legacy is created with first premium payment
Final Expenses
Final expense insurance, is a simplified-issue whole life policy typically ranging from $5,000 to $25,000+, designed to cover funeral costs, medical bills, and debts. It ensures loved ones are not burdened with immediate expenses, providing fast, tax-free cash payouts. Final Expense includes a fast approval with no physical exams. As a whole life policy, it offers lifetime coverage with fixed, level premiums.
The Full Armor Advantage:
Faith Based. Honest. Locally Owned and Operated. Top Rated Carriers
"Finally be strong in the Lord and in his mighty power. Put on the Full Amor of God so you can stand Firm." Ephesian 6:10-11