About Lokal Insurance Group
Local advisors who make insurance feel less complicated.
We're an independent insurance advisory team based in Wichita, KS, with clients across the country. We help individuals, families, and businesses understand their options and choose coverage that actually makes sense for their lives.
Our story
Why we started Lokal
"Insurance is one of those things that feels complicated until someone takes the time to walk through it with you."
Too many people come to us having already made a decision they don't fully understand. They signed up for a plan because it sounded right, or because a salesperson said it was the best option. Then months later they discover it doesn't work the way they expected.
We started Lokal to change that. As independent advisors, we're not tied to any carrier or quota. We can look across your options, explain the real trade-offs, and help you make a decision that actually fits your situation.
We stay available after the first enrollment too, because life and coverage needs change — and we want to be the team you call when they do.
Behind the agency
More than an insurance agency
Josh and Krista started Lokal together, as business partners and as husband and wife. They built this agency around the kind of guidance they wished more people had access to: honest, clear, and genuinely focused on what's best for the client.
When they're not helping clients navigate Medicare, health insurance, or retirement decisions, they're busy raising their three kids in Wichita. Family is at the center of everything they do, and that shows in how they treat the people they work with.
What guides us
Our values
Local & Approachable
We're based in Wichita, Kansas — deeply connected to the community we serve, with clients nationwide.
Independent & Honest
We work for you, not for any single insurance company. Our only goal is helping you find the right fit.
Clear & Jargon-Free
We explain your options in plain English. No confusing fine print, no pressure to decide on the spot.
Genuinely Caring
We stay available after your first decision. Plans change, life changes. We're here for the long run.
Meet the team
Licensed advisors with real experience
A genuine interest in helping you make the right call.
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...
Where we work
Our offices
Wichita, Kansas
505 S Broadway, STE 117
Wichita, KS 67202
Monday – Friday, 9:00 AM – 5:00 PM
Get DirectionsSouthern Oregon
Serving clients throughout Southern Oregon
541.291.4857Monday – Friday, 9:00 AM – 5:00 PM
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