We're Ben and Andrea Wood, and we run an independent life insurance agency out of Prescott Valley. We compare more than 40 carriers for you, explain what you're looking at in plain English, and pick up the phone ourselves when you call.
Most calls start with something that just changed: a new house, a new baby, a parent getting older, or a letter from an insurance company that said no.
Your lender made you carry homeowners insurance, because that protects the bank. Mortgage protection is different. It's there so your family can keep the house if something happens to you.
Mortgage protection →Term life covers the years that matter most: while the kids are home and the mortgage is big. Whole life stays in place for life. We'll help you figure out which one fits.
Term & whole life →Final expense is a smaller whole life policy meant for funeral and end-of-life costs. Many options don't need a medical exam.
Final expense →One company's no is not every company's no. Carriers look at health history differently, so a denial is worth a second look.
Denied coverage →A captive agent can only sell one carrier's policies. We compare more than 40, so you see real choices side by side.
Ben or Andrea answers. Not a call center and not an 800 number, and that doesn't change after you sign.
No daylight saving math. Call Monday through Friday, 9am to 6pm, or ask for an evening appointment if that works better around your job.
Ben spent years as a photographer, capturing the moments families care about most. Then he realized protecting those families mattered even more than photographing them. Andrea left her real estate career two weeks after he launched the agency.
“In 2024 I had three brain surgeries. When I woke up from each one, I wasn't worrying about whether Andrea and the kids would be okay financially. The coverage was already in place. That's the peace of mind we want for every family we work with.”
Ben Wood, co-founder
About 60 seconds. No obligation. Ben or Andrea will reach out.