About Local Life Agents

Independent insurance agency. Real agents. No lead resale.

Local Life Agents is an independent insurance agency based in Columbus, OH. We shop 30+ A-rated carriers for life and health coverage, and multiple top carriers in your state for auto, home, and renters. We educate first, quote second, and never sell your information.

  • 30+ A-rated carriers
  • Licensed in 50 states
  • Columbus, OH

What makes us different

Coverage options with a real agent in your corner

What we do

  • Life insurance

    Term, whole, IUL, final expense, and estate planning.

  • Health-related products

    Annuities, disability, and long-term care.

  • Property and casualty

    Auto, homeowners, and renters in your state.

  • Licensed nationwide

    Agents in all 50 states and the District of Columbia.

Why clients work with us

Independent, not captive

We are not tied to one carrier. We compare options across the market so you see rates and products a single company will never show you.

A real agent, not a lead form

One licensed agent from quote through underwriting — not a rotating call center, and not lead resale to whoever buys your contact info.

Start online, work local

Compare on your schedule. Talk to an agent when you want a second opinion. No pressure, no spam callbacks.

Meet the team

The agents and staff behind Local Life Agents.

Brad Cummins

Founder

Brad founded Local Life Agents after building and selling a Farmers Insurance agency in 2014. Licensed since 2004, he lost his father at 14 — a daily reminder of why the right policy matters. He built the agency's quote technology so clients can compare benefits and premiums across carriers in one place. Ohio State graduate; lives in Columbus with his wife and son.

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Ryan Wood

Agent Development Director

Ryan helps agents sharpen their craft and grow their books. Licensed for life and health and property and casualty; resident state is Ohio. He is a primary voice on our life and health content.

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Michael Cummins

Chief Revenue Officer

Michael leads revenue and growth at Local Life Agents — expanding the agency network, carrier partnerships, and the tools agents use to serve clients.

Trusted by 30+ of America's top life insurance companies