Business owners
Business Life Insurance
- Key person protection
- Buy-sell agreement funding
- Can build cash value
- Pays off guaranteed business loans
Life insurance that pays while you're alive
Protect your family, business & income and get help while you're living.
Go from unsure to confident. Explore how the right policy can help cover your bills if you become seriously ill, build cash value over time, and leave a legacy. Many options need no medical exam, and some offer same-day decisions.
No-exam options
Fast decisions
Living benefits
Our trusted life insurance partners
Mutual of
Omaha
Omaha
AFLAC
F&G
Americo
Protect what matters most
Choose your protection
Three core ways to safeguard your income, your home, and the people you love, built around your goals rather than a one size template.
Homeowners
Pay Off the Mortgage
- Reduces the financial burden
- Can pay out for qualifying illness
- Can pay off the home
- Easy to access and flexible
Families
Protect the Family
- Helps cover final expenses
- No-exam options available
- Coverage for life if kept active
- Leaves a strong legacy
Your personal guide
Meet Sheena Smikle
★★★★★Licensedin 12 states
Sheena SmikleLicensed Life Insurance Agent, NPN 19728957
Sheena Smikle is a licensed life insurance agent with more than five years of experience helping families, seniors, and business owners protect their income and plan their legacy. She is licensed in 12 states and works with carriers including Mutual of Omaha, Aflac, F&G, and Americo.
Through clear education and practical guidance, she helps clients understand how business growth, financial protection, and family legacy work together so they can make informed decisions without pressure or confusion.
Her mission is simple: help people Build Smart, Grow Fearlessly, and Protect Everything they have worked hard to create.
No-examOptions for many applicants
12States licensed
5+Years helping families
LivingBenefits if you qualify
Life insurance with Sheena
Additional plans that grow with you
Beyond core protection, options designed to build cash value, limit direct market exposure, and help fund the milestones ahead.
IUL
Indexed Universal Life
- Permanent life protection
- No direct market investment
- Can build cash value
- Cash value for future goals
Living benefits
Life With Living Benefits
- Protects your income
- Can pay out for qualifying illness
- Avoids a financial burden
- Help with bills during recovery
Retirement
Retirement Life Insurance
- Grows tax deferred
- Can supplement retirement income
- Gives you living benefits
- Flexible to your goals
Good to know
Life insurance questions, answered
What is life insurance with living benefits?
It's a policy with accelerated death benefit riders that may let you access part of your death benefit while you're alive, after a qualifying terminal, chronic, or critical illness. Whatever you use is generally subtracted from what your beneficiaries receive. Learn how living benefits work.
Can I get life insurance without a medical exam?
Often, yes. Many policies, including most final expense plans, don't require a medical exam, though they usually ask health questions and may review prescription records. Larger coverage amounts may still require an exam.
How fast can I be approved?
Some no-exam policies can give a decision the same day or within a few days. Others take longer, depending on the coverage amount, your health history, and the insurance company's underwriting.
What's the difference between term and permanent life insurance?
Term life covers you for a set period, such as 10, 20, or 30 years, and usually costs less. Permanent coverage, like whole life or indexed universal life, can last for life and may build cash value, but costs more.
Which states is Sheena licensed in?
Sheena Smikle is licensed in Alabama, Arizona, California, Colorado, Georgia, Maryland, Mississippi, Missouri, New Jersey, South Carolina, Texas, and Virginia. Her National Producer Number (NPN) is 19728957.
Does it cost anything to talk with Sheena?
No. A coverage review is free, and there's no obligation to buy. You'll get clear answers about your options before you make any decision.
Start today
Avoid financial stress & protect your income today
Find the right policy to protect your business, family, and income. Tell Sheena a little about you and get a personalized plan with no pressure.
Personalized to your goals
No-exam options available
Talk to a real licensed expert
Get my plan
Takes under 60 seconds. Sheena will reach out personally.
Your information is kept private & secure.