Sharp Insurance & Financial Services

Life Insurance

At Sharp Insurance & Financial Services, we provide life insurance solutions to help protect families across the Tri-State. Whether you’re in Ashland, Russell, Flatwoods, Ironton, Huntington, or surrounding areas, our local team understands the importance of planning for the future. From protecting your loved ones’ financial stability to covering final expenses and leaving a lasting legacy, we make it simple to find affordable life insurance with the right protection — all across KY, OH, and WV

Whole Life Insurance

Whole life insurance is permanent coverage designed to protect your family for a lifetime while building guaranteed cash value over time. At Sharp Insurance & Financial Services, we help clients across Kentucky, Ohio, and West Virginia secure whole life policies that never expire, have fixed premiums, and provide both financial protection and long-term value for your loved ones.

Term Life Insurance

Term life insurance provides affordable coverage for a set period — usually 10, 20, or 30 years — and pays a tax-free death benefit if you pass away during that time. It’s ideal for income replacement, mortgage protection, or ensuring your family’s financial stability while raising children. We make it easy for clients in Kentucky, Ohio, and West Virginia to find the right term coverage to fit their goals and budget.

Indexed Universal Life Insurance

Indexed Universal Life (IUL) insurance combines permanent coverage with the potential to grow cash value based on stock market performance — without the risk of direct market loss. A key benefit is the ability to use the policy’s cash value for tax-free retirement income, helping you build wealth while protecting your family. We help individuals and families throughout Kentucky, Ohio, and West Virginia design IUL strategies tailored to their financial future.

Final Expense & Burial Insurance

Final expense insurance, also known as burial insurance, is designed to cover end-of-life costs such as funeral expenses, medical bills, and other outstanding debts. This ensures your family isn’t left with financial burdens during a difficult time. We work with individuals across Kentucky, Ohio, and West Virginia to secure affordable final expense policies that provide peace of mind and protection.

Annuities

Annuities are financial products that convert your savings into guaranteed income during retirement, helping ensure you never outlive your money. They can provide steady monthly payments for life or a set number of years, making them a powerful tool for long-term financial planning. At Sharp Insurance & Financial Services, we offer a range of annuity options for clients across Kentucky, Ohio, and West Virginia to help them retire with confidence and security.

Accidental Death Insurance

Accidental death insurance pays a lump-sum benefit to your loved ones if your death is the result of a covered accident. It’s an affordable way to add extra financial protection on top of your existing life insurance coverage. We help clients throughout Kentucky, Ohio, and West Virginia find accidental death policies that offer added security for the unexpected.