Life and Health Insurance
Protecting Your Well-being and Income.
Life and Health Insurance Across West Virginia
Life insurance provides financial security for your loved ones in the event of your passing, while health insurance safeguards your well-being and protects you from unexpected medical expenses.
Our experienced agents are dedicated to understanding your unique circumstances. By carefully considering factors like your job, family, income, and more, we'll tailor a policy that perfectly suits your needs, providing the ideal coverage without any unnecessary extras.
Whole Life
With whole life insurance, there’s no set period. You usually pay regular premiums until you die, at which point the policy pays out. Sometimes you have the option to take a lump sum back while you are still alive, but this will reduce the amount paid out when you die.
Term Life
Term life insurance provides coverage for a specific period. If you die during the term, your beneficiaries receive a death benefit. It's often more affordable than permanent life insurance.
Universal Life
Universal life insurance works in a similar way to whole life insurance, but you have more flexibility about taking money early. You can even borrow money and repay it later; although, if there’s any loan outstanding when you die, the policy’s payout can be significantly affected.
Long-Term Disability
Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months—even years. We’ll make sure you have financial support to manage your disability and your household.
Medicare Supplemental
Medicare supplement insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.
Group Life
Group life insurance is a benefit offered by employers that provides financial security for employees' families. It's a cost-effective way to protect loved ones.