Life Insurance

Raleigh, North Carolina

There are many forms of insurance that the typical person will need to have.  While any form of insurance protection is important, life insurance may be the most valuable type of coverage that you can get.  There are a few advantages that come when you do obtain a proper life insurance plan.

Provide Financial Protection for Dependents

A primary advantage that comes with having a life insurance plan is that it can offer financial protection for your dependents. If there are people that rely on you and your income for their financial necessities, you should ensure you are protecting their future with proper insurance. A life insurance plan is a great way that you can do this. This is particularly true as any life insurance benefits paid out are received without any form of taxation. When you do look for life insurance, you are able to build it to curtail to your needs. This can include building it with a term and policy amount that will cover any future expenses that can include anything you want such as housing, education, and general costs of living.

Cover Your End of Life Costs

Even if you do not have direct dependents, you should still consider getting life insurance as it can provide you with end-of-life cost support. Those that pass away could incur medical bills, funeral costs, and other expenses to pay off debts that are owed. When you have a life insurance plan in place, it can help your friends and family cover these expenses to ensure there is not a financial burden. You are able to personalize your own plan to ensure that it is the right size to cover these costs that others may incur.

Life Insurance

Raleigh, North Carolina

We quote each policy on a case by case basis, this is a guide to the services and project packages we offer to our clients.

Investment Advantage

Depending on the type of life insurance that you choose, you could also enjoy an investment benefit with the insurance plan. One of the most common types of coverage is whole life insurance. With this type of coverage, your premiums will be higher than other options but some of your monthly payments will go into an investment account that can then grow with interest.

This tends to be considered a low-risk form of investment that will also provide you with the typical life insurance benefits. It can make it a good addition for anyone that is looking to build a more conservative personal investment plan. While you can eventually cash out your policy, you also have the ability to use it as collateral for a loan that you will want to take out in your name or for a small business.

Thomas Wood

Thomas Wood graduated from East Carolina University with a Bachelor of Science in Industrial Distribution and Logistics in 2011.

During Thomas’ tenure at East Carolina he was a member of Lambda Chi Alpha Fraternity. After graduating from ECU, Thomas began working in the financial sector for Wells Fargo as a FHA Mediations Loan Underwriter in Raleigh, NC. Thomas then moved into sales for Wells Fargo working as a Home Mortgage Consultant in Fayetteville, NC.  After working with Wells Fargo for 2 ½ years Thomas moved into the homebuilding industry with his family’s business King Model Homes in Fayetteville, NC. While working with his father, Thomas had the opportunity to go work for a mid-size regional builder Homes By Dickerson in Raleigh, NC known for their customer service and custom built homes.  Thomas’ position with Homes By Dickerson was a superintendent overseeing the construction of homes in Raleigh, Durham, and Apex. Thomas was overseeing a new neighborhood called Madison at Evans Creek in Apex, NC that consisted of 40 homes.

Over the years, Thomas had talked to his uncle and partner Joe Beck many times about coming into the insurance world.  The two of them finally decided to team up and start a company together with the help of Smart Choice an aggregator in Greensboro, NC and Joe’s 30 years of experience.  Thomas and Joe are very excited to help their customers save money and make sure that all their insurances are properly managed, but also written in a manner that best serves the customer.  Wood Insurance Consultants LLC has many goals, but their main goal is customer service. Our company is here to serve you and the rest of the Carolinas.

Thomas lives in Raleigh, NC with his beautiful wife Liz.  In his spare time Thomas enjoys pulling for the ECU Pirates, cooking/grilling, and adding to his expansive vinyl record collection.

Joe Beck

Joe started in the Insurance business in 1989 as a Principal Partner in the Callahan & Beck Insurance agency in Fayetteville, North Carolina.

In 1997, he took a position with the Philadelphia Insurance Company as the Manager of Marketing and Underwriting for the State of Michigan and won awards in 1998 and 1999 for placing in the top twenty nationwide. In 2000, Joe joined Chemical Bank as Vice president and member of the board of directors. Joe was to oversee day to day operations of the agency and expand the agency into different areas of the bank. In 2006, Joe had decided it was time to move back home to North Carolina at which time he joined Anders Ireland & Marshall Inc., a member of the Keystone Insurance Group, as an Agent.

Joe has served on advisory boards for Ohio Casualty, Titan Insurance, and Pioneer Insurance. Joe served as the former auction chairman of the Jimmy V Foundation, chairman of the Chip Beck Invitational, chairman of the Marlene Floyd Tournament, and Committee member for Louis Grizzard Charity and Jeff Daniels Auction.  Joe is currently a member of the Patriot Foundation advisory committee in Pinehurst, NC. This foundation’s purpose is to raise money for soldiers’ children for school that have been killed in action.  Joe is a graduate of Belmont Abbey College. He and his lovely wife Jill have five children and live in Sanford, NC.


Although we tend to price projects on a case by case basis, this is a guide to the services and project packages we offer to our clients.

Picking a life insurance plan is a very important decision. If you live in the Raleigh, NC area and need to assess your life insurance needs and options, it would be a good idea for you to call the Wood Insurance Consultants.

There are a lot of great advantages that come with calling this team including receiving the guidance that is needed to build a plan. Wood Insurance also partners with the top life insurance providers around and can ensure you get into a plan that will give you and your dependents appropriate support.

Wood Insurance Agency | Raleigh | Wilmington | Charlotte