Life, Health & Benefits

"Our financial services staff will counsel and advise but never push."

Financial Services And Products
The Financial Services Department of Chappell, Smith & Associates, Inc. offers an array of quality life insurance, health insurance, disability and retirement income products.

A Wide Variety Of Companies
At  Chappell, Smith & Associates, Inc., we represent a wide variety of insurance companies. When selecting the companies to represent, special attention is given to their financial rating as published by A. M. Best. Only those insurers with "A" (Excellent) or better ratings are used. This variety and financial security gives us confidence and broad flexibility in pursuing underwriting for all types of insurance accounts and the ability to handle unique underwriting problems.

Competitive Pricing
Due to the versatility and flexibility offered by the many companies that we represent, we can assure you the most competitive prices.

The Best Term Life Insurance Rates ...Guaranteed!
A strong statement, we know, but with Chappell, Smith & Associates, Inc., many years of experience and our arsenal of term life insurance programs, we know we can deliver!

Life Insurance! Did you say life insurance? Oh, no! I don't want to talk to a life insurance agent. They are too pushy. The overly aggressive, pushy approach is the traditional sales method that earns life insurance agents their undesirable reputation. At Chappell, Smith & Associates, Inc., however, we have made a special effort to staff our Financial Services Department with well trained, professional product specialists. Their mission is to serve the needs of the Chappell, Smith & Associates, Inc., insurance client. Affectionately known as the "quiet professionals", our financial services staff will counsel and advise but never push. You can count on that. We are making every effort to change the stereotype of the life insurance agent. Give us a chance to prove it to you. You will be pleasantly surprised.

Our programs are the most innovative on the market. Level premium plans guarantee rates for periods of 5, 10, 15, 20, 25 and 30 years at extremely low cost. Plans are guaranteed renewable and guaranteed convertible. Even smokers can qualify for preferred rates. Husbands and wives or business partners applying together save even more.

We represent the largest, most stable carriers, including: CNA, Kemper, TransAmerica, North American Life, First Penn-Pacific, Travelers, Aetna and U.S. Life, among others.

Term life insurance is more affordable than ever. However, the choices are more involved and less clear than in the past. We will break down the options and detail the best value for your insurance dollar.