Term Life

We Find the Best Term Term Life Insurance for You

There are several ways to purchase  Term Life Insurance.  You can buy it over the Internet at literally hundreds of different web sites. You can call an 800 number and buy it over the phone directly from a Term Life insurance company. You can call an insurance agent. In some cases, you can buy it at your bank or credit union.  The choices are many and the challenge to purchase the Best Term Life Insurance to meet your needs is difficult.

In the midst of all the insurance commercials and advertisements, it may seem that Term Life insurance is just a commodity–a product that is the same at every company.  It’s not.  Term Life Insurance policies in Virginia can be  very different and have very different cost.   You’re not buying a container of salt;  You’re protecting your financial well being…and the choices you make could affect you for the rest of your Term Life.  

Every term life insurance policy we offer at Belcher Insurance with our standard carriers offers a benefit that has only been available for about the last 5 years on term insurance.  Living Benefits. Living Benefits allows you to file a claim for part of your death benefit early in case something happens to you.  Most policies only pay at the time of your death to your beneficiary.  This works well if you die too soon.  But what if you live too long?  What if you become disabled and can’t work?  What if you’re involved in an awful accident or have a heart attack, stroke or cancer and can’t work for a period of time?  And to make matters worse, what if your closest family member has to quit work to take care of you?  All these questions can be answered positively if you have living benefits!

With hundreds of Term Life Insurance companies and the many different policies, the best Term Life Insurance purchase decision is often made with the help of a professional insurance agent. Our insurance agents at Belcher Insurance Agency are ready to help! For about the same price, you can have living benefits-REAL LIFE INSURANCE-instead of just old-fashioned death insurance.


At Belcher Insurance Agency “70 Years of Serving You 1st” means:

  • FREE NEEDS ANALYSIS.We take the time to understand every client’s needs and work hard to provide the best possible insurance solution for the best value.
  • EXTRA-ORDINARY SERVICE.We take pride in exceeding the expectations of our clients by providing superior communication, quality service, and delivering the ultimate, exceptional experience.
  • WE GIVE OUR CLIENTS OUR CELL PHONE NUMBER! Access to your agent at your fingertip.
  • EXCEPTIONAL RESPONSIVENESS.   We respond as soon as possible to client inquiries–most of the time within minutes.
  • TECHNOLOGY. We partner with companies that are innovative and remain on the cutting-edge of technology, so our clients may have the convenience of accessing their policy information at anytime, anywhere, any place.
  • FINANCIAL WELLNESS. We educate and work collaboratively with clients to bring order to their financial life and to achieve their dreams and goals, as they navigate through the different fiscal stages, such as eliminating debt, asset protection, and retirement planning.
  • WE CARE. We go beyond insurance and provide clients with an experience that they will appreciate and services that will help clients improve their cash flow and build personal wealth.
  • PARTNERSHIP. Our referral partners will assist our clients with all their real estate needs, such as, buying, refinancing, and investing.

Belcher Insurance Agency is a full-service insurance agency providing Commercial Insurance and Personal Insurance services to residents of Virginia, West Virginia, Kentucky, Tennessee, Maryland, and North and South Carolina including the Southwest Virginia communities of  Haysi, Clintwood, Norton, Pennington Gap, Wise , Abingdon, Richlands, Grundy, Lebanon, Castlewood, Saint Paul, Pennington Gap, Jonesville, Duffield, Gate City, Weber City, Bluefield and Tazewell. Call, request a quote by email, or visit us at one of our offices today for a free, no obligation risk assessment and quote. Let us do the research and find the best Term Life insurance value for you.


Personal Insurance Coverage for Different Needs

On the right sidebar of this page, you will find links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents at Belcher Insurance Agency for any assistance.

Life Insurance Experts:

Visit our About Us page to learn about our Life Insurance experts: James Couch, Matt Owes, Grant Belcher, Stacy Hicks, Candice Sykes, Deanna Nickels, and Donna Johnson.

Kerry Belcher

About 

Kerry G. Belcher Sr was born in Richlands, Virginia in 1964. Graduated from Haysi High in 1982 and with the AS degree in Electronics Engineering in 1984. He began his insurance career that May and was licensed and manager of the Clintwood branch of Hugh Belcher Insurance by February of 1985. In 1989, he returned to Haysi to manage the office. In 2005, Kerry bought his Dad and Mom’s remaining stock and became the sole owner of the Haysi Agency, half owner of the Norton Agency and opened an agency in Pennington Gap with Don and Lowell Williams. Married in 2007, He and wife Rita have 8 children between them and a son and daughter-in-law. His hobbies include family activities, playing music, writing songs and studying the Bible.

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