Life Insurance & Supplemental Benefits Specialist

Your Financial
Protection Starts Here.

I help individuals and families build a solid financial foundation through personalized life insurance, critical illness coverage, and supplemental benefit solutions — designed around your life, your budget, and your future.

🛡️ Life Insurance ❤️ Critical Illness 🩹 Accident Insurance WI · CO · FL · KY · LA MI · NC · OH · SC · TN · TX · VA

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12+

Products Offered

Licensed States

Cost to You

Shi'Mek Charley — Licensed Insurance Advisor

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Licensed & Certified

Life & Accident/Health Advisor

States
Licensed

Primary Specializations

Where I Excel Most

My core focus is giving clients the financial safety net that protects their income, health, and legacy — even when life throws the unexpected.

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Life Insurance

Term life, whole life, and universal life policies that provide a tax-free death benefit to protect your family's financial future — no matter what happens to you.

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Critical Illness Insurance

A lump-sum cash benefit paid directly to you upon diagnosis of cancer, heart attack, stroke, or other covered conditions — use it however you need most.

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Accident Insurance

Cash benefits to cover out-of-pocket expenses from unexpected accidents — emergency room visits, fractures, dislocations, and more — so your savings stay intact.

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Full Product Portfolio

Additional Services I Offer

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Medicare Supplement

Medigap plans that fill the cost gaps left by Original Medicare.

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Medicare Advantage

All-in-one Medicare plans often including dental, vision, and Rx.

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Prescription Drug Plans

Medicare Part D coverage to manage your medication costs.

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Health Insurance

Individual and family ACA marketplace and private health plans.

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Final Expense

Whole life plans designed to cover funeral and end-of-life costs.

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Dental Plans

Standalone dental coverage for routine care and major procedures.

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Long Term Care

Coverage for nursing home, assisted living, and in-home care.

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Retirement Planning

Annuities and strategies to secure your retirement income.

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Short Term Medical

Temporary health coverage for life transitions and coverage gaps.

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Financial Advisory

Holistic financial guidance to grow and protect your wealth.

100% Client
First

Who I Am

Hi, I'm Shi'Mek Charley

"My mission is to make sure no family faces a financial crisis on top of a personal one."

I am a licensed Life and Accident & Health Insurance Advisor dedicated to helping individuals and families build real financial protection. With a focused specialty in Life Insurance and Supplemental benefits — including Critical Illness and Accident Insurance — I help clients bridge the gap between what their primary coverage pays and what life actually costs.

Whether you're a young family protecting your income, a senior navigating Medicare, or someone approaching retirement, I take the time to understand your unique situation and build a strategy that fits your goals and budget. My services are always provided at no cost to you — I'm compensated by the insurance carriers I represent.

Licensed in 12 states, I serve clients across the country with the same personalized, attentive care I'd give a family member.

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Life Insurance Specialist

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Supplemental Benefits Expert

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Medicare Planning

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Retirement Strategies

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Independent — Multi-Carrier

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Free Consultations

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12 Licensed States

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Ongoing Client Support

Licensing & Coverage Area

States I'm Licensed to Serve

I hold active licenses across 12 states. Resident in Wisconsin — non-resident in all others.

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Licensed States

Resident: Wisconsin · Non-Resident: all others

Colorado (CO) Florida (FL) * Kentucky (KY) * Louisiana (LA) Michigan (MI) * North Carolina (NC) Ohio (OH) South Carolina (SC) Tennessee (TN) Texas (TX) * Virginia (VA) Wisconsin (WI) * ★ Resident

* Life & Accident/Health License. All other states: Accident & Health License only.

Why Choose Me

What Makes Me Different

You deserve an advisor who treats you like a person, not a policy number. Here's my commitment to every client.

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Truly Independent

I represent dozens of top-rated insurance carriers — not just one. That means I find the plan that fits you best, not the plan I'm pressured to sell.

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Supplemental Benefits Focused

Most agents overlook the critical gap between your main insurance and your real out-of-pocket costs. I specialize in filling that gap with the right supplemental products.

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Personalized — Always

I listen before I recommend. Your health history, budget, and family situation shape every plan I build for you — there are no cookie-cutter solutions here.

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No Cost to You — Ever

My expertise and guidance are 100% free to you. Insurance carriers compensate me, so you get a dedicated advisor without any out-of-pocket fees or hidden charges.

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I'm There After Enrollment

My job doesn't end when you sign up. I'm available year-round for claims questions, policy reviews, life changes, and annual benefit check-ups.

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Simple, Stress-Free Process

I simplify the complex, handle the paperwork, and walk you through every step — so getting covered is easy, fast, and completely stress-free.

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