Life & Health Insurance
Protect your family's financial future and health with coverage tailored to your needs and budget.
Why You Need Life & Health Insurance
- Term life insurance for affordable protection
- Whole life for lifelong coverage & cash value
- Individual & family health plans
- Disability income protection
What’s Covered — FAQ
A common rule of thumb is 10–12x your annual income, but your specific needs depend on debts, dependents, and future goals. We'll help you calculate the right amount.
Yes. We work with carriers that specialize in simplified-issue and guaranteed-issue policies for people with pre-existing conditions.
Term life covers a specific period (10, 20, 30 years) and is more affordable. Whole life covers your entire life and builds cash value over time.
Get Your Free Quote
Let’s find you the right coverage at the right price.
Not sure how much coverage you need? Try the life insurance needs calculator →
Why Wesley K. Smith?
Wesley K. Smith
- 30+ carriers — best rate guaranteed
- Local agent who knows your name
- Claims advocacy on your behalf
- 40 years of experience
National 1-800 Carriers
- ✕ One carrier — take it or leave it
- ✕ Call center, different person every time
- ✕ You’re on your own with claims
- ✕ No local presence or accountability