Life Insurance in Lexington, KY

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 in Lexington. Our licensed life agent compares options from the life companies we're appointed with and explains them in plain English, with no pressure. Call (859) 368-0162 or stop by 2240 Executive Dr Ste 103, Lexington, KY 40505.

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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. It usually lines up with a mortgage, raising kids, or the years until retirement. Lexington families often look at it when they buy a home or have a baby. We'll help you match the term length and the coverage amount to what you actually need to protect.

Whole life and other permanent coverage

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

Final expense insurance

Smaller permanent policies meant to cover funeral costs and final bills, so 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

Buying in Hamburg, Masterson Station or out in Georgetown or Nicholasville? A term policy sized to your mortgage can help your family keep the house if something happens to you. See also our new home buyers guide.

Life insurance for Central Kentucky families

We help families across Fayette County and nearby Scott, Jessamine, Clark, Bourbon, Woodford, Madison and Franklin counties. Common reasons people call:

A new baby, or kids starting school
A new mortgage or a move to a bigger house
Starting a business, or a business partner who needs coverage
Coverage through work that would end if they changed jobs
Wanting final expenses handled so the kids don't have to

How a life insurance quote works with us

A short conversation about who depends on you, your debts and your goals.
We compare options from the life companies we're appointed with.
You apply. Depending on the company and the amount, that can involve health questions, records or a quick paramedical exam.
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 my life insurance through work enough?

Group coverage through an employer is a good start, but it's often a set multiple of salary and usually ends if you leave the job. Many families add an individual term policy they control.

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. You're welcome at our office if you'd rather meet in person.

(859) 368-0162 · Request a quote · Asshield Insurance, 2240 Executive Dr Ste 103, Lexington, KY 40505 · Mon–Fri 9–7, Sat 9–5.

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

Educational only — not a quote, not legal advice, and not a coverage guarantee. Coverage, eligibility, and pricing are set by each carrier and vary by ZIP, property or driver details, and underwriting. Talk with a licensed Asshield™ agent about what fits your situation.