Independent agency · Since 1986
Life Insurance in Point Pleasant, WV
- Point Pleasant, WV
- Gallipolis, OH
- Mason, Gallia & Meigs Counties
We shop up to7companies for you
The 7 companies we work with
How It Works
Call us or request a quote
Call 304-675-4132, or tap Get a Free Quote and fill out a short form. Have your date of birth, your medications and how much coverage you want handy.
We quote you around
Every company that will write you, up to 7.
We recommend
Our best recommendation, built around your budget, your coverage and your situation.
Fill out the short form and we get back to you by the next business day, by phone or email, whichever you prefer.
Already insured with us? Call 304-675-4132 to add something, make a change or requote.
Rather see prices online first?
How We Find Your Best Fit
Your health sets the price
Every company judges age, health and tobacco its own way. The company that gives your neighbor the best rate can be the wrong one for you, so we quote you with every company that fits.
The right amount, not the most
We add up your income, debts, mortgage and family so the policy covers what your family needs, and you do not pay for coverage you do not need.
Sooner costs less
Your rate is set by your age and health when you apply, so waiting rarely lowers the price.
Quick Answers
How much will life insurance cost?
Nobody can honestly price it before knowing you. Your age, your health, tobacco use, the amount of coverage and how long you need it all set the price, and every company judges your health its own way. That is exactly why we quote you with every company that fits, then recommend the one that works best for you.
Can you quote Mutual of Omaha and Lincoln Financial?
Yes. We work with both, along with Nationwide, F&G, Cincinnati Life, SBLI, and Corebridge. Bring any quote you already have and we check it against the rest.
Should I buy term or whole life?
Term covers you for a set number of years, usually 10, 20 or 30. Whole life, or permanent, lasts your entire life as long as you pay. For most people term is the better fit: it buys far more coverage for the same money during the years your family needs it most.
How much coverage do I need?
A common starting point is 10 to 12 times your yearly income. We go further and add up your debts, your mortgage, your children’s ages and their education, so you carry enough without paying for coverage you do not need.
Do I need a medical exam?
For most larger policies, yes. An examiner comes to your home or office, checks your height, weight and blood pressure, and takes blood and urine samples. The company then reviews it, which usually takes 2 to 6 weeks, and faster for healthy applicants.
Do you offer annuities?
Yes. An annuity works the other way from life insurance: you fund it now and it pays you an income you cannot outlive. West Virginia and Ohio require us to act in your best interest on annuities, so every annuity conversation starts with your goals, your timeline and your other income.
Can I get coverage with health problems?
Usually, yes. Every company judges health its own way, so a condition one company declines, another writes. Tell us everything up front and we place you with the company that fits.
Find Your Best Fit
One call. We do the shopping.
Looking for a different location?
Parrack Insurance Agency — a separate, independently owned Parrack family agency — has its own version of this page.
Parrack Insurance Agency
Serving Elkins & North Central WV
Elkins, WV
See this page for Elkins