Life insurance in Kentucky & Florida

Life insurance is about the people who depend on you: replacing your income, paying off a mortgage, covering final expenses, or leaving something behind. Asshield™ is an independent agency with offices in Lexington, KY and Fort Walton Beach, FL. Our licensed life agent compares options from the life insurance companies we're appointed with and explains them in plain English, with no pressure.

Request a life quote KY (859) 368-0162 FL (850) 684-0164

Life insurance companies we can shop

Asshield is an independent agency; we can shop life insurance from companies such as Protective, Banner Life, Symetra, John Hancock, Prudential, Lincoln Financial, Pacific Life, Nationwide, Principal and Mutual of Omaha (United of Omaha). Availability depends on your state and underwriting.

Term life insurance

Term life covers a set period, often 10, 20 or 30 years. Most people line it up with a mortgage, the years their kids are at home, or the years until retirement. We'll help you match the length and the amount to what you actually need to protect.

Whole life and other permanent coverage

Permanent policies are built to last your whole life, and some build cash value. They cost more than term for the same death benefit, so we'll walk you through when permanent coverage makes sense and when term is the better fit.

Final expense insurance

Final expense policies are smaller permanent policies meant to cover funeral costs and final bills, so your family isn't left with them. Health questions and waiting periods vary by company, and we'll explain each one before you apply.

Term life sized to your mortgage

A term policy sized to your mortgage can help your family keep the house if something happens to you. It's one of the most common reasons new homeowners call us. Kentucky buyers can also see our new home buyers guide.

Life insurance in Kentucky

Our Lexington office at 2240 Executive Dr Ste 103 helps families across Central Kentucky, from Georgetown and Nicholasville to Winchester, Richmond and Frankfort. See life insurance in Lexington, KY and life insurance in Louisville, KY. Call (859) 368-0162.

Ohio: see life insurance in Cincinnati, OH.

Life insurance in Florida

Our Fort Walton Beach office at 139 Beal Pkwy SE, Suite 203 helps families across Okaloosa and Walton counties, including military families around Eglin AFB and Hurlburt Field. Call (850) 684-0164 or visit our Fort Walton Beach office page.

Who can help

Rebecca Turner is a licensed life agent on the Asshield team, supporting life insurance conversations alongside everyday customer care. Reach the team via quote / contact, Rebecca@Asshield.com, or call FL (850) 684-0164 · KY (859) 368-0162. Meet the full team on our team page.

How a life insurance quote works with us

1. A short conversation about who depends on you, your debts and your goals.
2. We compare options from the life companies we're appointed with.
3. You apply. Depending on the company and the amount, that can involve health questions, records or a quick paramedical exam.
4. The life company makes the underwriting decision. We stay with you through the process and after.

Questions we hear

How much life insurance do I need?

It depends on your income, debts, kids and savings. We'll work through it with you; there's no one right number.

Can I get life insurance with a health condition?

Often there are options, but each company has its own rules. Tell us your situation and we'll check.

Is life insurance an investment?

We treat it as protection. We don't give investment advice.

Do I have to come in?

No. Most of it can be done by phone, email and e-signature.

Important notes

• Not investment advice. Life insurance is a risk-transfer and protection discussion, not a recommendation to buy securities or a promise of investment performance.
• Underwriting (age, health, lifestyle) and state availability shape what can be offered.

Disclaimer: Educational only; not a policy, quote, coverage guarantee or investment advice. Availability depends on age, health, state and the life company.

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