Life insurance planning begins with recognizing the need for insurance. We can help you to determine the appropriate type and amount of insurance to fit your situation. We complete a full "needs analysis" to determine the amount of coverage, type of coverage, and duration of need. We also conduct an annual review of your insurance program to make sure that it meets your current needs.

As insurance brokers, we represent over 60 different insurers. Our established relationships with so many insurers helps us to obtain the best coverage possible for each of our clients. We have access to full lines of permanent and term insurance, as well as variable insurance products. Our life insurance planning services extend to individuals, families, and business owners.

Comparing insurers' best rates is of no use to you if you have one or more health problems. If you have a health impairment, we rigorously negotiate your situation with several insurers' underwriters to give you the best underwriting offer possible.

In addition to reviewing and establishing life insurance programs, we provide advice to our clients on many life insurance-related topics, including taxation of benefits, ownership issues, beneficiary designations, and insurance regulations.

Woodard is the opposite of an insurance "quote shop"; we emphasize outstanding service and advice over impersonal price quoting.  Most of us have health conditions and/or activities that render web-based insurance quote services inaccurate.  Still, we know many of our clients like to use the Internet to do research, so if you would like to calculate typical term life insurance rates, click here for one of our many insurers' term quote calculators: 

Protective Life Insurance Company Term Insurance
Premium Calculator

When running Protective's calculator, please keep in mind that these are just sample rates.  When you are in the market for insurance, we will interview you to determine which of our insurers will best fit your situation.