Annette o'connor
Insurance Solutions Designed Around You and Your Family
Life can change unexpectedly. Having the right protection in place can help you and your loved ones feel more prepared for whatever comes next.
I help families, seniors, veterans, and homeowners understand their options and find insurance solutions that fit their needs, priorities, and future goals.
Final Expense | Life Insurance | Veterans Solutions | ADO | Mortgage Protection
Protection With a Personal Approach
Insurance can sometimes feel complicated, but it doesn’t have to be.
My goal is to make the process easier to understand by taking the time to explain your options, answer your questions, and help you make informed decisions about protecting yourself and the people you love.
Whether you're planning for final expenses, protecting your family's financial future, or looking for coverage designed around your specific needs, I’m here to help you explore your options.
Here to Help You Prepare for the Future
01
Personalized Guidance
Your needs are unique. I take the time to understand your situation before helping you explore available options.
02
Clear Information
Insurance shouldn’t leave you confused. I’ll help explain your coverage options in straightforward, easy-to-understand terms.
03
Family-Focused Service
My approach is centered around helping individuals and families prepare for life’s unexpected changes.
ABOUT
Meet Annette O’Connor
Helping Families Understand the Importance of Being Prepared
Hi, I’m Annette O’Connor, a licensed insurance professional serving individuals and families from Martinsburg, West Virginia.
My journey into the insurance industry is personal.
My husband and I both experienced unexpected job losses within six months of each other. Along with losing our jobs, we lost our employer-provided health and life insurance. We found ourselves relying on our savings and 401(k) funds to help cover our expenses during an already difficult period.
That experience changed the way I looked at insurance and financial preparation.
I realized how valuable it would have been to have someone explain how our coverage worked, what could happen when employment changed, and what options we could have considered to better protect ourselves and our family.
Today, that experience motivates the work I do.
My goal is to help families better understand their insurance options and recognize the importance of planning ahead. I want my clients to feel comfortable asking questions and confident that they understand the protection they are considering.
A Little More About Me
Family is a huge part of my life. When I’m not helping clients, I love spending time with my husband, children, and grandchildren.
I also enjoy cooking, baking, doing crafts, and spending time with animals, especially dogs.
For me, insurance isn't simply about policies. It's about helping people prepare for the people and moments that matter most.
SERVICES
Insurance Solutions for Life’s Important Moments
Everyone’s circumstances are different. I’ll help you understand the available options so you can choose coverage based on your needs and goals.
Final Expense Insurance
We optimize your profile, narrative, and proof points so you command top-dollar offers instead of competing on price.
I can help you explore available Final Expense options and understand how coverage may fit into your plans.
Life Insurance
Life insurance can provide financial protection for the people who depend on you.
Whether you're looking to help protect your family, replace income, leave a legacy, or prepare for future financial responsibilities, I can help you explore life insurance options based on your circumstances.
Veterans Solutions
Veterans and their families may have unique insurance and financial protection needs.
I can help veterans explore available solutions, understand their options, and determine what coverage may complement the benefits or protection they already have.
ADO
ADO provides an additional option for individuals and families looking for solutions designed around their specific protection needs.
I’ll walk you through the available information, answer your questions, and help you understand whether an available option is appropriate for your situation.
Mortgage Protection
Your home is one of your family's biggest financial commitments.
Mortgage Protection insurance is designed to help provide financial protection related to your mortgage if certain unexpected circumstances occur, depending on the specific policy and coverage selected.
I can help you review available options and understand how Mortgage Protection may fit into your family's overall protection plan.
Frequently Asked Questions
What types of insurance do you offer?
I can help clients explore Final Expense, Life Insurance, Veterans-focused solutions, ADO, and Mortgage Protection options.
Who do you work with?
I work with individuals and families, including seniors, veterans, homeowners, and people who simply want to be better prepared for the future.
I'm not sure what type of insurance I need. Can you help?
Absolutely. You don't need to know exactly what coverage you need before reaching out. We can discuss your situation, priorities, and questions and explore options that may be appropriate for you.
Why is life insurance important?
Life insurance can help provide financial support for your beneficiaries after your death. Depending on the policy, benefits may be used toward expenses such as household bills, outstanding debts, mortgage obligations, final expenses, or other financial needs.
What is Final Expense insurance?
Final Expense is generally a type of life insurance designed to provide a death benefit that can help beneficiaries cover funeral, burial, and other end-of-life expenses.
What is Mortgage Protection insurance?
Mortgage Protection is designed to provide financial protection related to a homeowner's mortgage when qualifying events covered by the policy occur. Available benefits, limitations, and exclusions depend on the specific policy.
Can I ask questions before deciding on coverage?
Of course. Asking questions is an important part of the process. My goal is to help you understand the available options so you can make an informed decision.
How can I contact you?
Texting is the preferred way to get started. You can reach me at 304-270-0220. You may also email me at [email protected].
CONTACT US
Let’s Talk About Protecting Your Future
Reach out and let’s discuss your needs, priorities, and available options. There’s no need to have everything figured out before contacting me. I’m here to help make the process easier to understand.
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