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Term Life
Affordable temporary protection designed to cover the years when your family may depend most on your income.
Explore term life →Independent life insurance guidance
Protect what matters.
Plan for what comes next.
Life insurance should fit your family, your budget and your goals—not the other way around.
I work with multiple carriers so you can compare options instead of being limited to one company's products.
✓ Multi-carrier options✓ Straightforward guidance✓ Client-first advocacy
The 4th Forever difference
Advocacy over sales.
I put your financial safety ahead of my commission goals. My job is to help you understand your risks, compare the available choices and make a decision that makes sense for your situation.
Coverage options
Protection for every stage of life.
Different families need different solutions. We can look at the coverage that best matches your goals and budget.
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Whole Life
Permanent coverage designed to provide lifelong protection and predictable premiums, subject to policy terms.
Explore whole life →03
Mortgage Protection
Coverage designed to help protect your home and give your family a plan for the mortgage if something happens to you.
Protect your home →04
Final Expense
Smaller policies intended to help loved ones handle funeral, burial and other end-of-life expenses.
Plan ahead →05
Children's Coverage
Options for parents who want to establish protection for a child and plan for certain future needs.
Learn about options →
Why clients choose 4th Forever
Honest advice. Multiple options. Someone in your corner.
Since entering insurance in 2020, Brandon Adkins has focused on helping clients find affordable options without being tied to a single carrier.
Compare, don't guess.Multiple carriers mean more than one path to consider.
Know what you're buying.Clear explanations of limits, exclusions, costs and tradeoffs.
Support beyond the sale.Coverage should be reviewed as life changes, and claims are treated as the ultimate test of service.
Meet your advisor
Brandon Adkins
Independent life insurance guidance with a personal approach.
I've been in insurance since 2020. I started 4th Forever Insurance because I wanted to give clients affordable options while also having the freedom to work with multiple companies and products.
My approach is simple: listen first, explain the options honestly, and help you choose what works best for your unique situation. I believe a policy is more than a sale—it is a promise to help protect the people and plans that matter most.
National Producer Number19642962
WV Insurance Producer19642962
VA Insurance Producer1192740
Carrier network
More choices can mean a better fit.
Current carrier relationships include the following. Additional carriers may be added as the agency grows.
Banner Life
United of Omaha
Manhattan Life
Gerber Life
American National
SBLI
Columbus Life
MassMutual
A different kind of insurance conversation
“Advocacy over sales” is more than a slogan.
I want you to understand the risks you are protecting against—not simply sign a policy. That means discussing the good, the bad and the fine print, then helping you revisit your coverage as life changes.
Let's Talk About Your NeedsQuestions
Start with the basics.
Not sure what type of policy you need? That's exactly what a consultation is for.
How much life insurance do I need?
It depends on your income, debts, mortgage, family responsibilities, savings and goals. We'll look at your situation rather than using a one-size-fits-all number.
What's the difference between term and whole life?
Term life generally provides coverage for a specified period. Whole life is designed as permanent coverage with premiums and benefits governed by the policy contract. The right choice depends on your goals and budget.
Do I need a medical exam?
Some policies may require an exam or additional underwriting while others may not. Eligibility and requirements vary by carrier and product.
Can you compare more than one company?
Yes. 4th Forever Insurance is built around a multi-carrier approach, so we can look at available options rather than being limited to a single company's products.
Does a consultation cost anything?
No. The initial consultation is free and there is no obligation to purchase a policy.
Ready when you are
Let's build a protection plan around your life.
No pressure. No one-size-fits-all pitch. Just a straightforward conversation about your options.