Life & Health Insurance

Extra Protection When You Need It Most

Some risks are too big for a basic policy to handle—and that's where catastrophe insurance and umbrella insurance come in. We help folks across Ripley, Parkersburg, Charleston & surrounding towns make sure they’re covered when the unexpected hits hard.



If you’re worried about flooding, storms, earthquakes, or just want extra liability protection across your home, auto & rental properties—we’ll make it simple.

A black shield with a white cross on it.

Health Insurance

From affordable health insurance plans to custom options for the self-employed, we’ll help you find the right fit. Whether you’re looking at marketplace options, private plans, or special coverage for unique situations, we’ll explain how it all works—and how to choose health insurance without the headache.

We help with:

  • Health insurance for self-employed workers
  • Family and individual plans
  • Marketplace enrollment support
  • Private plan comparisons
  • Short-term and gap coverage options
A hand is holding a heart and a cross.

Medicare

Turning 65? Already exploring Medicare Advantage plans? We’ll help you understand your choices, compare coverage, and find the plan that fits your needs and budget. No confusing government speak—just real help.

We offer:

  • Medicare Advantage Plans (Part C)
  • Medicare Supplement (Medigap) Plans
  • Prescription Drug Coverage (Part D)
  • Personalized plan comparisons
A man is holding a shield with a heart on it.

Life Insurance

Life insurance for families, individuals, and even business owners—it’s one of the most important ways you can protect the people you care about. Whether you’re just starting out or planning ahead, we’ll walk you through the options and help you find life insurance quotes online that match your goals and budget.

Types of life insurance we offer:

  • Term life insurance (affordable, flexible coverage)
  • Whole life insurance (builds cash value over time)
  • Final expense policies (to help cover funeral costs)
  • Family protection plans
A man and a woman are looking at each other and smiling.

How We Help

Insurance decisions don’t have to feel overwhelming. We explain things in plain English, lay out your best options, and help you take the next step with confidence—whether that’s picking a Medicare plan, protecting your paycheck, or making sure your family’s future is secure.

FAQ

  • What’s the best health insurance for self-employed people?

    It depends on your needs. We’ll help you compare marketplace and private plan options so you don’t pay for stuff you don’t need—or miss something important.

  • When should I start shopping for Medicare plans?

    About 6 months before you turn 65 is a good time to start looking. We can help you compare the best Medicare Advantage plans for seniors in your area.

  • How much life insurance do I really need?

    It depends on your family situation, debt, and future plans. We’ll help you figure out a smart number that fits your life—not a “one size fits all” formula.

  • Can I get health insurance outside of open enrollment?

    Sometimes! Certain life events (like job changes or moving) qualify you for a special enrollment period. We’ll help you find out if you’re eligible.