Independent life insurance agent
Life insurance
built around you.
Your Needs. Your Budget. Your Peace of Mind.
Your family needs protection, and life insurance is how you give it to them. I'm here to help you find the coverage you need, at a price that fits your budget, so you have real peace of mind.
I'm your local independent agent, based in Holly Springs and serving all of North Carolina. Live somewhere else? Reach out anyway; I help clients in other states too.
Winner, Maggy Award (Main & Broad Magazine) 2021–2026
- Free consultation, no obligation
- No fee to you (I’m paid by the insurer)
- A dozen-plus carriers
- 1Tell me what you need
- 2I compare the insurance companies I represent
- 3You choose. No pressure.
What I compare: life insurance with living benefits, term life, whole life, final expense, indexed universal life, fixed and indexed annuities, children's whole life, and life insurance for business owners. My specialty is living benefits: where a policy includes them, it can pay part of the death benefit early if you’re diagnosed with a qualifying serious illness. Using them reduces the death benefit, and riders vary by carrier.
The question
What happens to them if something happens to you?
Why it matters
If you weren’t here tomorrow, how long would everything else keep going?
The mortgage, the car, the groceries, the activities, the plan to send the kids to college. For many families the honest answer is: not very long, and nobody wants to say it out loud.
Life insurance exists so that answer never has to be tested. If you die, it can replace the income that keeps a household running. And if the policy includes living benefits, it can help while you're still here, after a qualifying serious diagnosis.
See how term life worksServices
Life insurance for every stage, explained plainly.
Each type of coverage has a job. I’ll help you figure out which one, or which combination, fits your family and your budget.
Life Insurance with Living Benefits
Working parents, the self-employed
Coverage you can draw on while you're alive after a qualifying critical, chronic or terminal illness.
Term Life Insurance
Young families, new mortgages
Straightforward protection for a set number of years. It typically costs less than permanent coverage for the same amount.
Whole Life Insurance
Lifelong needs, fixed premiums
Permanent coverage with level premiums that lasts your whole life and builds cash value along the way.
Final Expense Insurance
Seniors, funeral costs
A smaller permanent policy that covers funeral and end-of-life costs so your family isn't handed the bill.
Indexed Universal Life (IUL) Insurance
Lifelong needs, flexible premiums
Permanent coverage with flexible premiums. Interest is credited to its cash value based on a market index, with a floor and a cap.
Fixed and Indexed Annuities
Pre-retirees, lifetime income
Fixed and indexed annuities offer a variety of benefits, including guaranteed lifetime income options.
Children's Whole Life Insurance
A child's future insurability
Lock in lifetime coverage for a child or grandchild at a premium that is fixed at a young age and never scheduled to increase.
Life Insurance for Business Owners
Owners, partners, key people
Key person coverage, buy-sell funding and personal protection for the people who keep a small business running.
Not sure which fits?
Start with a conversation
Choose “Not sure yet” in the request form. I’ll ask a few questions and explain your options in plain English.
The difference
One agent. Many carriers. Compared for you, in plain English.
Why independent
The policy that fits you, not the one a company is allowed to sell.
A captive agent generally offers one company’s life insurance. I compare many and show you the differences in price, underwriting and living-benefit riders. The premium is set by the carrier either way.
See the full comparison- Companies represented
- CaptiveOne carrier's life insurance products
- IndependentMany carriers, compared side by side
- Whose interest the agent represents
- CaptiveContracted to sell one company's policies
- IndependentNot tied to one company; I recommend the carrier that fits from the ones I represent
- Price
- CaptiveSet by the carrier
- IndependentSet by the carrier — no added cost for comparison shopping
- Living benefits
- CaptiveWhatever riders that one carrier offers
- IndependentI compare critical, chronic and terminal illness riders across carriers, including term policies that include them at no extra premium. Any benefit paid early reduces the death benefit.
| Topic | Captive agent | Independent · me |
|---|---|---|
| Companies represented | One carrier's life insurance products | Many carriers, compared side by side |
| Whose interest the agent represents | Contracted to sell one company's policies | Not tied to one company; I recommend the carrier that fits from the ones I represent |
| Price | Set by the carrier | Set by the carrier — no added cost for comparison shopping |
| Living benefits | Whatever riders that one carrier offers | I compare critical, chronic and terminal illness riders across carriers, including term policies that include them at no extra premium. Any benefit paid early reduces the death benefit. |
Direct line
Your call goes to a local agent. Not a call center.
Meet Christine
A neighbor in Holly Springs who happens to know life insurance inside and out.
As an independent life insurance agent, I have access to a dozen-plus insurance companies. That lets me compare term life, whole life, indexed universal life and final expense policies side by side, and find the one that fits your needs and your budget. I work with young professionals, homeowners, retirees and small business owners. My specialty is life insurance with living benefits, which can help while you're still alive if you're diagnosed with a qualifying serious illness. Anything paid early reduces the death benefit. Best of all, I keep the process simple.
I'm grateful that people trust me to look out for them and their loved ones, and I take that responsibility to heart every day. And sure, I miss the fried clams once in a while, but the hushpuppies more than make up for it.
Read my storyAwards & affiliations
- WinnerMain & Broad Magazine · Maggy Award 2021–2026
- WinnerRaleigh's Best Insurance Agent/Company 2021 · 2022
- Proud MemberFuquay-Varina Chamber of Commerce
- Proud MemberAngier Chamber of Commerce
- Co-founderHolly Springs Small Business Networking Group
Close to home
Based in Holly Springs. Serving all of North Carolina.
Areas served
Anywhere in North Carolina, in person, by phone or by video.
I’m based in Holly Springs and work with families all over the state. Outside North Carolina? Reach out anyway; I help clients in other states too.
Towns near me
Also serving Raleigh, Durham, Morrisville, Clayton and the rest of Wake, Durham and Johnston Counties.
All areas servedQuestions
Straight answers about life insurance
How much does life insurance cost in North Carolina?
It depends on your age, health, tobacco use, the coverage amount and whether you choose term or permanent coverage. Healthy applicants in their 30s and 40s are often surprised by how affordable a 20-year term policy is. I compare the carriers I represent and show you actual quotes rather than a generic estimate.
Start a conversationWhat does an independent life insurance agent do differently?
A captive agent represents one company. I represent many, so I can compare policies, prices and riders side by side. Riders are extra features built into or added to a policy. Then I recommend the one that fits you. The premium is set by the carrier, so there's no extra cost for having me shop it.
Why work with an independent agentWhat are living benefits?
Living benefits are accelerated death benefit riders. They let you use part of your policy's death benefit while you're alive after a qualifying critical, chronic or terminal illness. Several carriers I work with include them on term policies at no added premium. Keep in mind: what you receive early reduces the death benefit, and riders vary by carrier.
How living benefits workCan I get life insurance without a medical exam?
Often, yes. Many carriers now offer accelerated underwriting for qualifying applicants. It uses prescription and driving records instead of an exam. Final expense policies use a short health questionnaire. We look at exam and no-exam paths to find the better rate.
How much life insurance do I need?
A common starting point is 10 to 12 times your income. From there, we adjust for your mortgage, debts, children's education and any coverage you already have through work. I'll walk through it with you in about fifteen minutes.
Where do you meet clients?
I'm based in Holly Springs and serve clients all across North Carolina. We can meet in person, by phone or by video call, whichever is easiest for you.
See the towns I serveNext step
Start with a conversation, not a rate chart.
Tell me what you’d like to protect and how to reach you. I’ll call to learn about your family and your budget, then compare the carriers I represent and walk you through what fits.
Winner, Maggy Award (Main & Broad Magazine) 2021–2026