Insurance guidance that makes your next step feel clear
Lokal Insurance Group helps people navigate Medicare, retirement, and small group benefit options — with clear, personalized guidance wherever you are.
Always no-cost
Independent guidance
How can we help?
Start with the question that brought you here.
Medicare
Turning 65, already enrolled, or helping a parent? We'll help you understand Medicare options in plain English.
Retirement & Annuities
Thinking through retirement income, long-term planning, or annuities? We'll help you understand the trade-offs before making a decision.
Small Group Benefits
Offering or reviewing employee benefits? We'll help you think through options for your team.
Not sure yet?
You don't need to know the right terminology before reaching out. Tell us what you're trying to figure out and we'll help from there.
Independent Agency
We work for you, not a carrier.
Because we're not tied to any single insurance company, we can shop across multiple carriers and show you options side by side. You get a recommendation based on your situation — not on what pays us the most.
Carrier availability may vary by location, service, and plan type.
A clear path from first question to ongoing support.
Here's what working with Lokal looks like.
You tell us what you're trying to figure out
You don't need the right terms. Start with your question, situation, or concern.
We help you understand the options
We explain what matters, compare choices, and make the process easier to follow.
You choose the path that fits
You stay in control of the decision. Our role is to help you feel informed and confident.
We stay available over time
Coverage needs, plans, and life circumstances change. Lokal stays available when questions come up.
Guidance people can actually feel good about.
Real support from local advisors who take the time to explain what matters.
"Josh Wood with Lokal Insurance Group is outstanding. He demonstrates true integrity, takes the time to make sure every detail is handled correctly, and always explains options clearly. You never feel rushed or pressured, just genuinely supported."
Mike S.
"Medicare was honestly confusing and I kept putting it off, but they made it way easier than I expected. Just normal conversations, no pressure, and things actually made sense. They still check in and keep me updated, which I really appreciate."
Marcia B.
"Lokal has been my broker for years. I had doctor bills I shouldn't have been billed for, and I didn't have to make all the phone calls trying to fix it. I called my broker and he took over. It got fixed."
Vicki E.
Real people. Clear guidance.
You'll work with local advisors who take the time to understand your situation before recommending anything.
Josh Wood
Founder & Principal Advisor
Josh founded Lokal Insurance Group in 2022 after seeing too many people in his community make important Medicare and health insurance decisions based on bad inf...
Krista Wood
Licensed Health & Life Insurance Agent
Krista is a licensed health and life insurance agent specializing in Medicare, individual health coverage, and employee benefits. She works with individuals, fa...
Bill Vawter
Senior Advisor
Bill has spent more than 40 years in insurance and financial planning, starting with one of the country's leading life and health insurance companies. He earned...
Common questions
Have a question? Start here.
You don't need to have everything figured out before reaching out. Tell us what you're looking for, and we'll help point you in the right direction.