P+C AgentColumbus
I referred a good client of mine to Derek. He promptly took care of him. My client asked Derek if he could also save him on his life insurance. Derek told him that he was just there for the health insurance. This life sale would have been over $3500 in commissions for Derek but because of his honesty and valuing a long term relationship he did NOT steal the sale.
P+C Agent Westerville
Derek has helped me build my agency. When potential clients call in and we can’t help them or are limited by underwriting or exclusion, we now can say, let me have Derek give you a call. Now the client feels indebted to us. Since Derek is not a P/C agent, he just gives them the coverage they need. Then he lets us know so we can quote the P/C.
Nola M.
Derek at Ohio Life & Health Solutions was recommended to me by a mutual friend and coworker several years ago. I have always found him to be very knowledgeable, efficient and helpful. This year, I am especially grateful for him due to all the changes in healthcare, not to mention increased cost of coverage. He found me the right plan at an affordable price. I was, to say the least, very frustrated and angry with my own search results. Derek was patient, attentive and found what I needed. I would highly recommend this company and Derek to all my friends, family, coworkers, or anyone looking for insurance. He does a great job!
Joseph C.
I’ve worked with Derek for years. He is a person I count on for sound advice and excellent support. Derek truly cares about my family and he always keeps our best interests in mind. He is honest, sincere, knowledgeable, and dependable. I have recommended him to family and friends and I will continue to do so.
Matthew B.
Incredibly helpful and genuinely wants to get you the best health insurance suitable to you. Would love to work with them again. They go completely out of their way to make sure that you are looked after in an industry that is very confusing with companies pulling you left and right.
Joe S.
I have been dealing with Ohio Life & Health Solutions for about 5 years now and Derek has been great to deal with. He always helps me in understanding the insurance lingo, so it makes it very helpful for me to pick and plan. Bottom line is that I am glad to know him when it comes to explaining insurance too so I can pick a plan that is right for me.
P. M. Columbus
I was paying over $1200 a month for my health insurance plan. My State Farm agent, who I’ve known since he was a child, recommended I call Ohio Life & Health Solutions. Derek was able to take my deductible from $2500 down to $1000, and my prescription coverage was better. The result was an astonishing $500 a month savings. I couldn’t believe this, better coverage at a better price! I was also happy I didn’t have to pay an association fee and a monthly billing fee.
P. M. Columbus
I was paying over $1200 a month for my health insurance plan. My State Farm agent, who I’ve known since he was a child, recommended I call Ohio Life & Health Solutions. Derek was able to take my deductible from $2500 down to $1000, and my prescription coverage was better. The result was an astonishing $500 a month savings. I couldn’t believe this, better coverage at a better price! I was also happy I didn’t have to pay an association fee and a monthly billing fee.
B.K. Columbus
My son is a soldier. He came back from Desert Storm and was diagnosed with post-traumatic stress syndrome. American family wasn’t able to help him but my agent referred me over to Derek Pierce. My son was able to get a $50,000 policy with an immediate death benefit. I was very happy.
C.A. Worthington
I am a diabetic and a little short. Okay, I’m 5’6″ and weigh 270. I was told I couldn’t get coverage due to my weight and then I mentioned I’m on insulin. I practically got the phone hung up on me. Well, my agent told me to call Derek. I did. I got the coverage. I didn’t need a whole lot, but Derek was able to help me. I got an immediate death benefit.

Secure Your Child’s Future with The Million Dollar Baby Plan

Turn small monthly contributions into powerful savings for education—while also giving your child lifelong financial protection.

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About Us

Who We Are & Why Families Trust Us

At The Million Dollar Baby Plan, our mission is simple: help parents create brighter, debt-free futures for their children. With decades of combined experience in life insurance and wealth planning, we make financial security simple and practical for every family.

We proudly partner with trusted providers like Allianz, Transamerica, and Nationwide, ensuring your plan is backed by top-rated companies. Our advisors don’t just sell policies—we guide, educate, and support you every step of the way. Because at The Million Dollar Baby Plan, we believe every child deserves to start life strong, free from debt, and full of opportunity.

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The Cost of College Is Rising

Why Parents Need This?

The average student loan debt in the U.S. is over $37,000—a burden that can take decades to pay off. Traditional savings accounts and 529 plans often aren’t enough, leaving families stressed and unprepared.

The Million Dollar Baby Plan offers a smarter, tax-advantaged way to save for college, emergencies, or even retirement—while keeping your child protected with lifelong insurance coverage.

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Why IUL for Kids?

Debt-Free Education

Pay tuition and expenses without loans.

Tax-Free Growth

Grow wealth steadily without yearly tax bills.

Lifetime Coverage

Permanent protection your child will always have.

Flexible Access

Withdraw or borrow funds when needed—college, first home, or retirement.

Generational Legacy

Build wealth today, pass on security tomorrow.

Unlike one-size-fits-all plans, The Million Dollar Baby Plan customizes every IUL policy to fit your budget and goals.

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How It Works

Simple Steps to Secure Their Future

  • one Contribute as little as $100–$500 per month.
  • two Watch your cash value grow tax-free over time.
  • three Access funds anytime for education, emergencies, or life milestones.
  • four Provide your child with lifetime insurance protection.
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Every day you wait is a missed opportunity. Book your free consultation today and see how a small monthly contribution can make a lifetime of difference.
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