Straightforward answers about life insurance, Wood Agency, and how we help families across all 50 states find the right coverage.
Yes. All quotes and consultations from Wood Agency Life are 100% free with zero obligation. There is no cost to compare rates across 50+ A-rated carriers, and you are under no obligation to purchase anything after receiving your quotes.
Most quotes can be provided in minutes during or shortly after a brief consultation call. Because Wood Agency Life shops 50+ carriers simultaneously, you receive competitive comparisons quickly — without filling out multiple applications or talking to multiple salespeople.
No appointment is required to start. You can reach Wood Agency Life by phone at (928) 889-6338, by email at ben@woodagencylife.com, or through the online quote form at woodagencylife.com/contact.html. You can also schedule a call at your convenience through Calendly.
No. Life insurance underwriting uses your health and lifestyle information — not your credit score — to determine eligibility and pricing. Getting a quote involves no credit inquiry of any kind and will not affect your credit report.
Yes — that is exactly what Wood Agency does. As an independent agency, Wood Agency Life shops more than 50 A-rated carriers simultaneously on your behalf. You see competitive options from multiple companies with one conversation, without having to contact each carrier individually.
Wood Agency Life offers a full range of products including:
Term Life Insurance — Fixed coverage for a set period (10, 15, 20, or 30 years). Highest death benefit per premium dollar. Ideal for income replacement and mortgage protection.
Whole Life Insurance — Permanent, lifelong coverage with guaranteed cash value growth. Used for estate planning, Debt Free Life®, and Infinite Banking strategies.
Indexed Universal Life (IUL) — Permanent coverage with cash value linked to a market index. Zero downside risk, tax-advantaged growth.
Mortgage Protection — Coverage sized to pay off your mortgage balance if you die or become disabled.
Annuities — Guaranteed income for retirement.
Term life covers you for a fixed period and pays only if you die during that term. It offers the largest death benefit for the lowest premium and is best for income replacement and temporary financial obligations.
Whole life covers you for your entire life, builds guaranteed cash value, and can never be cancelled as long as premiums are paid. It is used for permanent needs, legacy planning, and financial strategies like Debt Free Life® and Infinite Banking.
An IUL is a permanent life insurance policy whose cash value grows linked to a stock market index such as the S&P 500, with a floor of zero — meaning market losses cannot reduce your cash value. It offers:
• Tax-deferred cash value accumulation
• Tax-free retirement income when structured correctly
• Participation in market upside (up to a cap)
• Zero loss in down market years
• A permanent death benefit for heirs
IUL is popular for clients who have maxed out their 401(k) and Roth IRA and want additional tax-advantaged retirement savings.
Debt Free Life® is a proprietary financial system that uses a specially structured whole life insurance policy to help clients eliminate debt rapidly while simultaneously building cash value and generational wealth.
One verified client example: a family reduced their projected 27-year debt payoff to just 9 years and saved approximately $700,000 in interest charges that would otherwise have gone to banks and creditors.
This is not a loan or debt consolidation product — it is a long-term financial strategy requiring commitment and proper structuring.
A living benefit rider allows you to access a portion of your death benefit while still alive if you experience a qualifying health event. The three triggers are:
Critical illness — Cancer, heart attack, stroke, organ failure, and similar serious diagnoses.
Chronic illness — Inability to perform two or more Activities of Daily Living (ADLs) without assistance.
Terminal illness — A diagnosis with a projected life expectancy of 12–24 months or less.
Many carriers include living benefit riders at no additional cost. Wood Agency prioritizes carriers offering strong living benefit provisions.
Wood Agency Life is an independent, family-run life insurance agency founded by Ben and Andrea Wood in Prescott Valley, Arizona. Ben is a former professional photographer who transitioned to insurance advocacy after overcoming three serious brain surgeries in 2024. Andrea is a former real estate professional.
Together they built the agency on a mission of honest, pressure-free service — real people helping real families, no scripts, no quotas.
Yes. Wood Agency Life has licensed agents and a partner network serving all 50 states across the United States. Whether you are in Arizona, New York, Texas, Florida, or any other state, Wood Agency can help you find the right coverage.
When you go directly to a carrier's captive agent, that agent can only offer products from one company. If that company's rates aren't competitive or their underwriting doesn't fit your health profile, you're stuck.
Wood Agency Life shops 50+ A-rated carriers simultaneously — finding the best rate for your specific situation. Clients typically save 20–40% compared to going direct. Wood Agency also advocates for you personally during the application and claims process.
Wood Agency Life shops more than 50 A-rated, financially sound carriers including: 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+ others.
Carriers are evaluated continuously for financial strength, underwriting competitiveness, and claims-paying history.
Wood Agency specializes in hard-to-place clients. With access to 50+ carriers — each with different underwriting guidelines — the agency frequently finds coverage for people who were previously denied elsewhere.
A denial from one carrier is not a final answer. Different carriers view the same health conditions very differently. Wood Agency knows which carriers are most favorable for specific conditions and can target the right carrier for your situation.
Likely yes. Wood Agency has helped clients obtain coverage with conditions including diabetes, heart disease, past cancer diagnoses, sleep apnea, high blood pressure, weight challenges, mental health history, and many others.
The key is finding the right carrier — and access to 50+ carriers dramatically increases your options compared to applying through a single company.
Not necessarily. Many carriers offer no-medical-exam policies for applicants who qualify through a health questionnaire and database checks. Wood Agency will identify the carriers and products most likely to approve you without a physical exam based on your health profile.
For larger coverage amounts or certain health situations, a brief exam may be required — but Wood Agency will let you know in advance what to expect.
Yes. Juvenile life insurance policies lock in low rates and guaranteed future insurability regardless of what health conditions may develop later in life. They also build cash value that can be used for college, a first home, or other milestones. Some policies serve as long-term savings vehicles alongside the insurance benefit.
Cost depends on your age, health, coverage type, and amount. To illustrate:
• A healthy 30-year-old may qualify for a $500,000 20-year term policy for under $25/month.
• Permanent policies (whole life, IUL) cost more but provide lifelong coverage and cash value growth.
Most people overestimate the cost of life insurance by 3–5x. The only way to know your exact rate is to get a free quote — it takes just a few minutes.
A common starting point is 10–12 times your annual income, but the right amount depends on your specific situation — debts (especially your mortgage), number of dependents, income replacement needs, and future goals like college funding.
Wood Agency agents perform a complimentary needs analysis to help you determine the right coverage amount for your family.
Many policies offer same-day or next-day approval, particularly for no-exam products. Some policies requiring full medical underwriting take 1–4 weeks from application to approval.
Wood Agency will tell you upfront which timeline to expect for the specific product and carrier you are applying with, so there are no surprises.
Almost certainly yes. Employer-provided group life insurance typically provides only 1–2 times your annual salary — far below the recommended 10–12x for families with dependents. Additionally, group coverage ends when you leave your job.
An independent policy provides portable, permanent protection that follows you regardless of your employment status. Wood Agency can review your existing coverage and show you what gaps exist.
Talk to a licensed agent — no pressure, no scripts. Just a real conversation about protecting your family.