About
Meet Luke Simonetti
Licensed Life Insurance Agent serving Wheeling, West Virginia and surrounding communities.
I work with families, retirees, and small business owners around Wheeling who want straight answers about life insurance.
Most people I meet aren't looking for a sales pitch. They want to know how much coverage makes sense, what it costs, how long it lasts, and what happens if their situation changes. That's the conversation I try to have first.
As an independent producer, I'm able to look at options from more than one insurance company. I explain what a product does well, where its limitations are, and what could cause it not to perform the way someone expects — including premiums, policy charges, and underwriting requirements.
If you're in or around Wheeling, I can come to you in person or we can meet virtually — whichever is easier. If you're further out, we'll meet virtually over Google Meet.
License # 22237344.
What you can expect from me
Plain language
No jargon without an explanation. If a product is complicated, we slow down.
No pressure
The first consultation is a conversation. You are free to take your time or decide against coverage.
Full picture
Costs, exclusions, waiting periods, and what is guaranteed versus what is not.
Service after the sale
Beneficiary updates, coverage reviews, and help when your family needs to file a claim.
Let's start with a conversation
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.