A conversation first
We start by talking about your household, your income, your debts, and what you want protected. Coverage recommendations come after that, not before.
Wheeling, West Virginia
Life insurance guidance, built around your family.
I'm Luke Simonetti, a licensed life insurance agent serving Wheeling and the surrounding area. I help people understand their options, ask better questions, and choose coverage they actually understand.
In or around Wheeling? I'll come to you for an in-person consultation, or we can meet virtually. Anywhere else? Book a virtual consultation and we'll talk over Google Meet.
How I work
Independent guidance
As an independent producer, I can review options from multiple insurance companies and explain the trade-offs in plain language.
Local and reachable
Based in Wheeling, West Virginia. You get a direct phone number and a real person who answers questions before and after the policy is in place.
Coverage I can help with
View all coverage optionsTerm life insurance
Level coverage for a set number of years.
Whole life insurance
Permanent coverage with guaranteed elements.
Indexed universal life (IUL)
Permanent coverage with index-linked crediting.
Final expense
Smaller permanent policies aimed at end-of-life costs.
What to expect
- 01
Book a consultation
Pick a time on the calendar. The first conversation is complimentary and carries no obligation.
- 02
Review your needs
We look at income, debts, dependents, final expenses, and budget to size a realistic amount of coverage.
- 03
Compare options
I walk you through the product types and carrier options that fit your situation, including costs and limitations.
- 04
Apply and follow through
If you decide to move forward, I help with the application and stay involved through underwriting and delivery.
Ready to talk it through?
Book a complimentary initial consultation. We'll talk about your family, your budget, and what coverage could look like — with no pressure and no obligation.