Licensing & Disclosures
Privacy Policy
Independent Virginia Life Insurance Broker Serving Families Statewide
I'm Brandon Eason, an independent Virginia life insurance broker based in the Richmond area. Looking for a Virginia life insurance agent? As an independent agent and broker, I work with multiple carriers, so I can compare options for you instead of offering just one company's policies.
Term Life Insurance
Affordable coverage for a set number of years, such as 10, 20, or 30, while your family depends on your income.
Final Expense Insurance
A smaller whole life policy to help your family cover funeral, burial or cremation, and final bills.
Coverage I Help Virginians Compare
Mortgage Protection
Life insurance matched to your home loan, so your family has money to pay off the mortgage or keep up with payments.
Permanent Life Insurance
Coverage designed to last your lifetime, with the option to build cash value over time.
Virginia by the Numbers
$420,000
Statewide median home sales price in Virginia, September 2026
10 days
Minimum free-look period on individual life insurance policies issued in Virginia
47%
Share of U.S. adults who say they would have trouble paying living expenses within six months of losing the primary wage earner
Sources: Virginia REALTORS, September 2026 Home Sales Report; Code of Virginia § 38.2-3301; LIMRA and Life Happens, 2025 Insurance Barometer Study.
Why Work With an Independent Virginia Broker
Multiple Carriers, One Conversation
I'm not tied to one insurance company, so I can compare options from multiple carriers and show you the choices side by side.
Licensed in Virginia
I hold a Virginia life insurance license. You can verify it any time with the State Corporation Commission's Bureau of Insurance using my National Producer Number, 15762101.
Statewide by Phone or Video
From Northern Virginia to Hampton Roads to the Shenandoah Valley, we can meet by phone or video at a time that works for you.
Plain English, No Pressure
I explain how each policy works, what it costs, and what it does not cover, so you can decide what's right for your family.
Virginia Life Insurance Questions
How do I check that an insurance agent is licensed in Virginia?
Use the Virginia State Corporation Commission's Bureau of Insurance license search, or call the Bureau at 804-371-9741 or toll-free at 1-877-310-6560. You can search by name or National Producer Number. Mine is 15762101.
What is the free-look period for life insurance in Virginia?
Virginia law requires individual life insurance policies to give you at least 10 days after delivery to review the policy. If you return it during that period with a written request to cancel, the policy is void from the beginning and your premium is refunded. Some policies allow longer.
What happens if I miss a premium payment?
Virginia requires individual life insurance policies to include a grace period of at least 31 days for premiums after the first one. Your coverage stays in force during the grace period, but contact your insurer or me right away so the policy does not lapse.
How much life insurance do I need?
It depends on your income, debts, mortgage, and the people who rely on you. With Virginia's median home price at $420,000, many homeowners start with their mortgage balance and add income replacement. Try the free calculator on my Coverage Calculator page for an estimate.
Is life insurance through my job enough?
It may help, but workplace coverage often doesn't move with you if you change jobs or retire, and the amount may not cover your mortgage and income needs. Many people add an individual policy they own.
Do you only work with clients in Richmond?
No. I'm based in the Richmond area and work with families anywhere in Virginia by phone or video. I'm also licensed in Maryland, Washington, DC, and North Carolina.
Does it cost anything to work with you?
No. Reviews and quotes are free, and there is no obligation to buy. If you choose a policy, I'm paid by the insurance company you select.
What is the difference between a life insurance agent and a broker?
People often use the words interchangeably. A captive agent usually represents one insurance company. As an independent agent, I work with multiple carriers, so I can compare coverage and prices and help you choose.
Sources
Virginia REALTORS, Key Takeaways: September 2026 Virginia Home Sales Report
Code of Virginia § 38.2-3301, Ten-day right to examine policy
Code of Virginia § 38.2-3303, Grace period
Virginia SCC, Virginia Consumer's Guide for Life Insurance
Talk With a Virginia Life Insurance Broker
A free, no-pressure review is the easiest way to see what coverage fits your family and your budget. I work with Virginians by phone or video, on your schedule.