Protect the life you built and those you love.

You value your family, your home, and the life you’ve built and want to protect it from events that may threaten them. Life insurance policies help ensure that your loved ones are financially protected if something unexpected happens.

Wize Insurance & Risk Management will get to know you and your loved ones, directing you to a policy that addresses your needs and protects your family during those vulnerable and uncertain times with the following life insurance policies:


Term life insurance provides protection for a set period of time, such as 10, 20, or 30 years, ensuring that your loved ones’ financial needs are met if you pass away during the term of your policy. Often referred to as pure life insurance, it offers a guaranteed death benefit without a savings element.

Wize Insurance & Risk Management will help you determine if term life insurance is right for you, help you reapply before your current term expires, or convert it to a whole-life policy. Contact us today to get started!


Unlike term, whole life insurance is permanent and provides coverage for your entire life, guaranteeing a death benefit payout to your beneficiaries. A portion of your premium is also invested by the insurance company and grows over time, providing flexibility and additional financial options later in life. 

Many individuals find that the additional benefits provided by whole life insurance are worth the higher premium. Let Wize Insurance & Risk Management help you determine which is right for you and find peace of mind knowing that your loved ones will be financially protected.


A universal life insurance policy is more flexible than other life insurance because you can adjust the premium payments and death benefit amounts over time. Universal life insurance policies also include a cash value component that allows you to build up savings over time, giving you more control over your coverage and financial situation.

Each universal plan is different to address your unique needs. Wize Insurance & Risk Management will help you navigate this complex world of universal life insurance to find the plan that is right for you and your family. With the right coverage in place, you can rest easy knowing your loved ones will be financially protected after you pass away.


Key person insurance or key employee insurance is protection for a company in the event of the demise or disability of a top salesperson, executive, or company founder, where the company or business would suffer great loss without them. Could your business survive the death of a major executive or key worker? What if your top partner or salesperson has a lasting disability? Key person insurance coverage protects your business from the worst possible situation.

At Wize, we will help you assess if key person insurance is right for you and find a plan that will safeguard your business from the loss of a key employee.


Disability insurance, sometimes referred to as income replacement insurance, provides benefits to protect a portion of income lost if you are unable to work. What happens if you get sick – perhaps due to a worldwide epidemic – and are unable to work for several weeks or months? How will you support yourself and your family? Disability insurance can help you pay bills and cover expenses until you are able to return to work.

When it comes to disability insurance, there are several different options, including short-term and long-term disability plans. At Wize, we will help steer you to the right plan that works for your specific situation, protecting you from financial setbacks or disasters. Don’t let unexpected illness or injury put your financial stability at risk.


Roughly 70% of Americans will need long-term care in their lifetime, with the amount of care varying from months to many years. Did you know most health insurance plans do not cover costs associated with in-home care, nursing homes, or memory care? Long-term care insurance helps fill in the gaps that your health insurance can leave, reducing the burden on your loved ones.

Wize Insurance & Risk Management will work with you to determine the type of care you may need based on your family history and lifestyle. Our personalized approach ensures that you receive coverage that best suits you, allowing you to make your own decisions and ensuring that your future health needs are well taken care of.

You Can Rely on Wize Insurance & Risk Management

Mr. Wize took the time to answer all of my questions. He followed up with me the next day to see if I needed any additional help.

Lavonnya Mickens

Ralph helped me out and the process was quick and easy! I was allowed time to think about my decision and they helped me save some money where I could.

TeReia Mackey

Mr. Wize was thorough and efficient! Great service, and I got the best deal for my money that I’ve had in years.

David Dulhanty

Ralph does an A+ job taking care of our insurance needs. I highly recommend his professional services!

Jim Newman

My daughter referred you after she learned I was looking for a different insurance provider. I have already referred you to my son and his wife!

Betty Laswell

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