Michael Gardill
Wheeling, WV
- Licensed in
- TX
- Licensed since
- 2026
Wheeling · Ohio County · WV
These licensed life insurance agents serve Wheeling and the surrounding area, quoting several carriers so you can compare term, whole life, and final expense pricing before you apply.
Profiles marked "unclaimed" come from public licensing records and have not been reviewed by the agent.
Wheeling, WV
Wheeling, WV
Wheeling, WV
Wheeling, WV
Most agents work by phone and video across their entire license state, so location is rarely a barrier.
Health Insurance & Benefits for Individuals, Families,1099 Contractors and Small Businesses | Serving Clients Since 2008
Health Insurance Broker for over 18 years
Health and Life Insurance Agent who gets pricing first
Helping Individuals, Families & Businesses Find Insurance Coverage That Fits
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Affordable Health Insurance Made Easy
Private and ACA Advisor
Counted from public licensing records for agents listed in Wheeling, WV. A carrier appointment means the agent may sell that carrier's plans; it is not a recommendation.
| Coverage type | Carriers | Appointed agents |
|---|---|---|
| Annuities | 4 | 3 |
| Life insurance | 2 | 1 |
| Disability | 2 | 1 |
Life insurance is regulated by the West Virginia Department of Insurance, and every agent selling it must hold a West Virginia life license. Pricing varies widely between carriers for the same person, which is why an independent agent who quotes several carriers is worth a call before you buy.
Yes. Life insurance agents are paid a commission by the carrier that issues your policy. Your premium is the same whether you buy through an agent or directly.
A small whole life policy, usually between a few thousand and thirty thousand dollars, designed to cover funeral costs and small debts. It is popular with people over 50 because approval is simplified and the premium never changes.
Term life covers a set number of years for a low premium and suits income replacement while you have a mortgage or young children. Whole life lasts your entire life and builds cash value at a higher premium. An independent agent can quote both across several carriers.
Often, yes. Carriers price conditions differently, which is exactly why an independent agent who works with several carriers can matter. Some policies use simplified or guaranteed underwriting with no medical exam.
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