Independent Insurance Agent

Brad Cummins
Brad CumminsInsurance Agent

How It Works.

Run Quotes.

Run life insurance quotes on our one of kind quote engine.  It takes 30 seconds and will compare life insurance rates, side by side, from over 40 of the countries top life insurance companies.

get a quote
shop life insurance

Choose a Policy.

Comparing life insurance quotes is simple, but eventually you will have to put in an application – go though underwriting – and qualify for coverage. When that time comes your going to want a expert agent on you side.

Work With Local Agent.

Work with a local insurance agent who will not only help you shop for life insurance, but who will also help you apply and get approved for coverage. Your Local Life Agent will make sure you get the most coverage at the lowest cost.

local insurance agent

Find the Best Life Insurance Rates.

We built a custom life insurance quote engine. It will ensure you find the best life insurance rates possible. Our quote engine will instantly shop the life insurance rates from over 40 of the countries top life insurance companies. Find the policy you and price you like and then reach out to me and I will help you apply for coverage. It’s that simple.

Columbus Ohio life insurance quotes

Trusted by Ohio’s Top Life Insurance Companies.

Life Insurance Policies Offered

About Me

I am an independent life insurance agent in Ohio. I live in Hilliard, OH and I own Local Life Agents. Local Life Agents offers one of the most advanced quote engines available online. It’s free and it will run instant life insurance quotes from over 40 of the top carriers in the country.

I started a local Farmers Insurance agency from scratch in 2005. I grew my agency in Dublin, Hilliard and Columbus before I sold my agency in May 2014 to start my new agency, Local Life Agents. After being with Farmer Insurance for over nine years I realized I wanted to be able to get my customers the best price all the time.  Being a captive agent with Farmers made that impossible to do.  So I started my own independent agency so I could always offer my customers the absolute best price.

Things that will determine your life insurance rates

The younger you buy life insurance the cheaper it will be. Don’t wait until your 50’s, 60’s. 70″s and expect to pay low premiums. The longer you wait the more you will pay for life insurance.
Your overall health will be the biggest factor in your cost for life insurance. Any past health history can raise a red flag. If you have things on your RX report (medications) and MIB report an insurance company will want to know more about your medical past. The life insurance companies will see any medications your currently on by running and RX (script) report. So the more you can tell me about your health the more I can help.
It pays no to be a smoker. Smokers will pay double the price for for life insurance vs a non smoker. But, with me as your agent I can help you cut down the cost even if you are a smoker with a preferred smokers rate if you can qualify.
If you take part risky life activities like skydiving, race car driving, deep sea diving, or piloting an insurance company could consider you high risk. I know exactly which life insurance companies to turn to if this is the case, so don’t worry.


“Brad has been a wonderful agent to work with.  He knows his stuff, that’s for sure.  He has saved me a lot of money over the years and now with his new agency can save me even more. “
Ed L., Gahanna