Life. Assurance. Caring. Compassion.

What is more important than life?
Protecting that life.

Permanent Policies

Life Insurance that Lasts Forever.

Term Life Insurance

A life insurance policy that lasts for a defined length of time.

High Risk Life Insurance

High Risk Life Insurance. Find Out How to Qualify.

Final Expense/Burial Insurance

Designed to cover expenses and funeral costs.

about us

Allana Botley

Allana Botley is the Founder and Owner of Botley Life Agency, a boutique full service insurance agency specializing in Life Insurance products, along with other insurance products, including but not limited to Health and P&C (Property & Casualty) for Commercial and Personal needs.  As a licensed Life Insurance Agent for multiple states, Allana brings a wealth of experience and expertise to the insurance industry. With a background as a Human Resources Manager & HRIS Analyst, her transition to a life policies expert and insurance producer was a natural progression, driven by a deep-seated desire to help people navigate the complexities of life insurance.

No Medical Exam

No exam life insurance. Term and Universal Life. Up to $1,000,000 in coverage.

Guaranteed Issue

No exam. No health questions. Guarantee Issue. Up to $50,000 in coverage.

Term Life Insurance

10, 20 and 30-year term life insurance. Multiple carriers available.

Whole Life Insurance

Permanent life insurance that builds the most aggressive cash value.

Universal Life Insurance

Permanent life insurance that builds less aggressive cash value

Final Expense/Burial Insurance

Smaller value life insurance policies that cover enough for most burial expenses.

Frequently Asked

Who needs life insurance?

If someone will suffer financially when you die, chances are you need life insurance because it provides cash to your family after your death.

To help you understand how life insurance might apply to your particular situation, we’ve outlined a number of different scenarios below.

  • You are Married.
  • You are Married with Kids.
  • You are a Single Parent.
  • You are a Stay-At-Home Parent.
  • You Have Grown Children.
  • You are Retired.
  • You are a Small-Business Owner.
  • You are Single.
How much life insurance do I need?

Determining how much life insurance you need requires an examination of your current and future financial obligations, along with the resources your family could tap.

Your future obligations are a combination of what it would cost to help your surviving family members meet immediate and ongoing needs like funeral costs, taxes, food, clothing, utilities, mortgage payments, and your future obligations like college and retirement funding.

The resources that your surviving family members could draw on to meet those obligations include your spouse’s or partner’s income, savings and investments, other income producing assets, and any life insurance you might already own.

The difference between the two—your financial obligations minus the resources your family has to meet those obligations—is the approximate amount of additional life insurance you need. If this sounds confusing, you’re not alone. That’s why most people turn to a qualified, licensed insurance professional when they want to figure out how much insurance they may need.

What type of policy should I buy, term or permanent?

It’s impossible to say, because the kind of coverage that’s right for you depends on your circumstances and financial goals. But, generally speaking, term offers the greatest coverage for the lowest initial premium and is a great solution for people with temporary needs or a limited budget. Permanent insurance may make more sense if you anticipate a need for lifelong protection, or if the option of accumulating tax-deferred cash values is attractive to you. Also, it doesn’t have to be one or the other. Often, a combination of term and permanent insurance is the right answer.

What determines how much I pay?

The only way life insurance companies can offer coverage at affordable rates is to carefully review your application and health information and decide if you should be approved for their product as well as assign a rate class that matches your health profile and establishes your premium.

To help them do this, you must complete a full application that captures detailed information about you and your health. Most likely, you’ll also need to complete a brief medical exam to confirm the information in your application. The exam is done with an examiner who is paid for by the insurance company and can be completed at your home, office, or the examiner’s office during a time that’s convenient for you.

Once the insurance company has both your application and exam results, they review your information to confirm your qualification and determine how much you should pay. This review typically takes 3-4 weeks, depending on your insurance company.

What is the process for buying a policy online?

Here’s the typical process for applying for term life insurance online at the most competitive rates available (note: a licensed life insurance professional is always required to be part of the process).

  1. Shop Rates & Request Application
  2. Application
  3. Medical Exam
  4. Review
  5. Approval
  6. Free-Look Period
real testimonials

What They
Say About Our

“My concern in getting life insurance after 60 years old for the first time was mainly the higher price premium. Allana provided me with several competitive quotes to different agencies and I was able to settle on a life policy that I was able to afford, even with my age concerns. She really helped me understand what my options were and I feel so much secure. I learned a lot.”
William Green
“I bought additional life insurance policies for myself and my young adult daughters through Botley Life Agency. I already had a small whole life policy but wanted more coverage and Allana walked me through getting more coverage. I was so happy with everything that I referred friends and family and bought policies for my daughters”
D. Hancock
“Felt good to finally get coverage after some health problems that made it harder to insure me before. Allana worked hard to get me coverage. The policy amount is small but enough to help ease some concerns.”
G. Rodney
"Botley Life Agency found the best life insurance option for my mother because of the access to multiple insurance companies. I wanted to pay the premium to relieve any stress from my mother and was guided through the entire process. My mom and I really felt the concern about what was best for my mother and it was not just about selling a policy."
Trina Vincent
"After searching the internet for the “best” life insurance – I didn’t find anything that I really understood and the process. A friend of a friend, really, referred me to Botley Life Agency after someone they knew recently got a policy. Allana and her team first asked what my needs were and took it from there. My universal life policy (I now understand what that means) is perfect and I feel better knowing the actual person behind the process of my life policy.."
K. Rose
"After obtaining quotes from a few other agencies I can easily say that Botley Life Agency went above and beyond to meet my needs. Allana is very knowledgeable and helpful throughout the entire process. I really appreciated her patience and understanding when addressing all of my questions and concerns. I was able to obtain an affordable policy that provided the coverage that I needed. I highly recommend Botley Life Agency.."
Nicole Price
"Botley Life Agency provided me with great service and was very professional and knowledgeable with helping me find the perfect policy for my family needs. The process did not make me feel intimidated or forced and the price was perfect for my budget. I have and will continue to refer my family and friends. Thank you!"
Teraine Stewart