Songer Insurance
304-252-2158 Schedule a consultation
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Protect the people you love

Individual life insurance in West Virginia and Virginia

Understand term, permanent and final-expense options and choose coverage that reflects your family, obligations and long-term goals.

Talk with an advisor →☎ 304-252-2158
Free local guidance

Find the right coverage

A licensed Songer advisor will respond personally.

By submitting this form, you give permission for a licensed Songer Insurance agent to contact you by phone or email about the insurance options you request. You are not required to enroll or purchase coverage. This request is not a Scope of Appointment.

Private • No obligation • Local support

Term and permanent choices
Needs-based coverage review
Beneficiary planning support
Plan for the people who depend on you

Life insurance starts with your family’s needs.

Consider the income, debts and future expenses your loved ones would need to cover. We can help you talk through coverage amounts, policy duration and a premium that fits your budget.

Term life insurance

Coverage for a specified period, with a death benefit payable if the insured dies during the covered term, subject to policy terms.

Permanent life insurance

Coverage designed for long-term needs. Review premiums, any cash-value features and the conditions required to keep the policy in force.

Common questions

Start with a clear answer.

These are general explanations. A licensed advisor can help you apply them to your specific situation.

How much life insurance should I consider?+

Start with income your household relies on, outstanding debts, final expenses and future needs such as education. Then review existing coverage and resources with an advisor.

Who receives the death benefit?+

The policy’s named beneficiaries receive the death benefit according to its terms. Review beneficiary choices when your family circumstances change.

Do you serve West Virginia and Virginia?+

We help clients in West Virginia and Virginia by phone or video and at our Beckley office. Available products and plans depend on your location.

Local help when you are ready

Talk through your options with Songer Insurance.

No call center. No pressure. Just clear guidance from a licensed local team for individuals and families.

See all contact options →