Independent · Family-Run · Serving Families Nationwide

Life Insurance
That Actually Fits.

→ Tax-Free Retirement

Most insurance agents work for one company — and can legally only offer that company's products. So when they can't cover you, or the rate feels high, there's nowhere else to turn. We work for you, not a carrier. One conversation compares 50+ top-rated companies. No pressure. No jargon. Just the right fit — or we'll tell you to look elsewhere.

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Families Protected Nationwide Trusted by clients in all 50 states
Free Consultation
What We Cover
Find Your Perfect Policy
Life Insurance Most Popular
Mortgage Protection
IUL & Annuities
Debt Free Life®
Infinite Banking
Start My Quote →
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0+
Insurance Carriers
Same-Day
Coverage Available
0
States Covered
20–40%
Average Client Savings

Carriers We Work With

Mutual of Omaha
Transamerica
Foresters Financial
Americo
North American
Global Atlantic
American Equity
Protective Life
Pacific Life
National Life Group
AIG / American General
SBLI

…and 40+ more. We shop them all so you don't have to.

Ben & Andrea Wood — Founders of The Wood Agency
50+
Top Carriers
Who We Are

We've Sat Where
You're Sitting.

Ben started The Wood Agency after trading his camera for a new kind of purpose — he'd spent years as a photographer capturing families' most important moments, and realized that protecting those moments was even more powerful than preserving them.

Two weeks after he launched, Andrea stepped away from a thriving real estate career to build it alongside him. Not because it was easy — because it mattered more.

"In 2024, Ben had three brain surgeries. When he woke up each time, he didn't worry about whether his family would survive financially — because the coverage was in place. That peace of mind is exactly what we help you build."

We came back more certain than ever: you deserve an agent with real skin in the game — not a policy number in a database. When something happens to your family, you call us. The same people who set up your policy. Not an 800 number. Not a hold queue. Us.

Protection First

Coverage built around your family's needs

No Pressure

Honest advice — never a sales pitch

Direct Access

Call us, not an 800 number, when it matters

Nationwide

Licensed agents partnered across all 50 states

Meet the Team Contact Us
Our Services

Coverage That Fits Your Life

There's no one-size-fits-all policy. We ask the right questions, then find coverage that makes sense for your life — not the easiest sale for us.

Most Popular

Life Insurance

Term, Whole, and Universal policies — we find the right fit. Protect your family from loss without leaving them with financial decisions made in grief.

Learn More →

Mortgage Protection

Peace of mind knowing your family keeps a roof over their head, no matter what life throws at you.

Learn More →

IUL & Annuities

Indexed Universal Life gives you lifelong protection with market-linked growth — zero risk of market loss. Tax-free retirement income.

Learn More →

Debt Free Life®

A proven system to eliminate debt fast while building long-term savings. Recent client took 27 years of debt down to 9, saving $700k+ in interest.

Learn More →

Infinite Banking

Harness your whole life policy to become your own bank. Borrow against your cash value without stopping its growth — use your dollar twice.

Learn More →

Been Denied Before?

A denial from one carrier isn't a verdict — it's one company's rulebook. We've gotten coverage for clients turned down twice, three times, even by their own doctors' insurance. Different carriers. Different answers.

See How We Help →
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How It Works

Getting Covered Is Simpler Than You Think

01

Tell Us What Matters

Share your family's goals in 2 minutes. No paperwork, no commitment, no pressure.

02

We Find Your Best Fit

We compare 50+ top-rated carriers and walk you through real quotes tailored to your health, budget, and goals.

03

Your Family Is Protected

Apply, get approved, and sleep easy. We stay with you long after the policy starts — including on the day your family needs us most.

Every day without coverage is a day your family is exposed. The conversation takes 15 minutes.

Free Tool

How Much Coverage
Do You Actually Need?

Most people are underinsured — and don't know it. Use this calculator to find your coverage gap in seconds.

$
15 yrs
$
$
Your Estimated Coverage Gap
$0
Enter your info to calculate
No Gap Well Covered

This is an estimate for educational purposes only. Your actual needs depend on your specific situation — speak with one of our agents for a personalized recommendation.

Get Started

Get Your
Free Quote

No bait-and-switch. Your quote is based on your real circumstances. Takes less than 2 minutes to start.

✓

50+ Carriers Compared for You

We do the shopping so you don't have to.

✓

Zero Pressure Consultation

Real advice from real people — no scripts.

✓

We'll Tell You If You Don't Need It

If a policy doesn't make sense for your situation, we'll say so. Honest advice is non-negotiable here.

✓

We're Here When Claims Happen

Your family calls us directly — never on hold.

✓

Nationwide Coverage

Wherever you live, we have a licensed agent for you.

Prefer to call?

(928) 889-6338

Request Your Free Quote

A Wood Agency advisor will reach out within 1 business day.

Step 1 of 4
$5K $2M
Biological Sex
Tobacco / Nicotine

Simple Process

Coverage in 3 Easy Steps

01

Tell Us About You

Fill out our quick quote form — takes under 2 minutes. We ask the basics so we can find your best fit.

→
02

We Shop 50+ Carriers

A licensed agent compares top-rated carriers on your behalf — no pressure, no upselling, just the best rate.

→
03

Your Family Is Protected

Get covered — often same day. We handle the paperwork and stay your agent for life.

Start My Free Quote →

Imagine knowing that if something happened tomorrow — your mortgage gets paid, your kids stay in school, and your spouse has breathing room without financial panic on top of everything else.

That's what the right policy does. That's what we help you get.

Client Stories

What Our Clients Say

★★★★★

"I never thought I could afford life insurance. They found me a policy for less than my streaming subscriptions. I wish I had called sooner."

R.L. — Colorado Springs, CO
★★★★★

"I'm so glad I called. Every other person I talked to said I couldn't get life insurance. Andrea found me a policy the same week."

K.P. — Denver, CO
★★★★★

"Ben took the time to understand my health history before recommending anything. I'd been turned down twice before. He got me covered in 4 days."

M.T. — Tucson, AZ
★★★★★

"They explained everything like they were talking to family. I finally get it now — and I'm protected for the first time in my life."

J.W. — Phoenix, AZ
★★★★★

"Professional, honest, and just plain good people. We're clients for life. They genuinely care about your family, not just the sale."

S.H. — Austin, TX
★★★★★

"From start to finish, we felt guided, not pushed. That mattered more than anything. Highly recommend Ben and Andrea."

J.G. — Portland, OR
★★★★★

"Andrea walked us through the Debt Free Life program and we were honestly skeptical. Three years later we're on track to pay off our mortgage 11 years early."

D. & T.W. — Nashville, TN
⭐ See our Google reviews & leave one of your own →
Why The Wood Agency

We Work For You

Top-Rated Carriers Only

We work exclusively with A-rated, financially sound insurers — so you get coverage backed by decades of proven performance.

Nationwide Network

Based in Prescott Valley, AZ — licensed to serve all 50 states.

We're There on the Worst Day

Your loved ones don't sit on hold with an 800 number. They call us directly. We facilitate the claim so your family isn't alone.

No Pressure, Ever

We listen first. No scripts, no quotas, no high-pressure tactics. Just real answers from real people who care about your family.

Independent vs. Captive Agent

Why Not Go Direct to a Carrier?

It's one of the most common questions we get. When you call a carrier directly, you're a policy number. When you call us, you get Ben or Andrea. Here's why that matters.

Captive / Direct Agent

  • ✗ Represents one company only
  • ✗ Legally can't show you competing options
  • ✗ Incentivized to sell their company's products
  • ✗ You may be denied and not know better options exist
  • ✗ 800-number claims process

The Wood Agency (Independent)

  • ✓ Shops 50+ A-rated carriers for your best rate
  • ✓ Zero loyalty to any single company — only to you
  • ✓ Finds coverage when others say it's impossible
  • ✓ Clients save 20–40% vs. going direct on average
  • ✓ We personally handle your claim — no hold music

It costs you nothing extra to work with an independent agent. Carriers pay us — not you.

Get My Free Independent Quote
Life After Coverage

What Changes When
Your Family Is Protected

You don't buy life insurance because you're afraid of dying.
You buy it because you love someone — and you want them to be okay no matter what.

You Book That Trip

The quiet voice that used to ask "what would they do without me?" goes quiet. Because you already answered that question.

The House Stays in the Family

Your spouse doesn't face a choice between grief and a mortgage payment. The home your kids grew up in — stays theirs.

College Is Still on the Table

Your kids get their future regardless of what happens to you. That's not luck. That's a decision you made in advance — today.

You Sleep Differently

Not because nothing bad can happen. Because if it does, the people you love most won't suffer financially for it. That's peace of mind.

One 15-minute conversation gets you here. It's free. No obligation.

Start That Conversation →

If something happened tomorrow, would your family be okay? Find out in 15 minutes. →

Ready to Get Protected?

Your Family Deserves
Real Protection

We hope you never need to file a claim. We mean that. But if that day comes, your family shouldn't be scrambling. Skip the shopping — we'll find the right fit from 50+ carriers, and we'll be there on day one and on the hardest day.

Get My Free Quote (928) 889-6338
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