Local Insurance Help from Someone Who Actually Sits Down with You
We’re not a call center. We’re not a big-name broker. We’re a local, independent insurance agency based in Midlothian, Virginia — and we believe in face-to-face service. Our goal is simple: help folks across Richmond and surrounding areas make confident decisions about Medicare, life insurance, health coverage, and retirement planning.
Meet Lorna Kelley
Lorna Kelley is a longtime resident of Powhatan, Virginia and has been helping individuals and businesses in the area for over 25 years. After earning her insurance license, she found her calling in Medicare — and quickly fell in love with helping people understand their benefits.
She especially enjoys working with folks who are turning sixty-five or new to Medicare. Her favorite part of the job? Sitting down with someone who feels overwhelmed, walking them through their options, and seeing that moment when everything starts to make sense.
Lorna takes the time to listen and explain — and it shows. Clients trust her because she genuinely cares. In fact, the majority of her business comes from referrals. When someone sends a friend, neighbor, or family member her way, she considers it the highest compliment she could receive.
A Personal Approach to Insurance
When it comes to Medicare or life insurance, no two people need the same thing. That’s why we take the time to sit down with you, explain your options in plain English, and help you understand what works best for your situation. There’s no pressure, no one-size-fits-all sales pitch — just real guidance you can feel good about.
We meet clients across Midlothian, Chesterfield, Amelia, Powhatan, and the broader Central Virginia region. Whether we’re at your kitchen table or a local coffee shop, you can expect a relaxed, honest conversation.
Why We Do What We Do
Choosing insurance shouldn’t be stressful. We’ve seen too many people overwhelmed by Medicare choices or sold policies they don’t need. That’s why we’re here — to answer your questions, explain the fine print, and give you the time and space to make the right call.
We’re especially proud to serve seniors, families, and those nearing retirement in the Richmond area who still value personal connection over clicking through confusing websites.
Licensed Across Virginia
We’re fully licensed with all major insurance carriers in the state of Virginia. That means we’re able to compare plans across the board — from Medicare Advantage and Supplements to life insurance, annuities, and dental/vision options — and recommend the ones that truly meet your needs
Backed by Experience
Our agency operates in partnership with First Choice Senior Solutions, a trusted name in senior insurance services. We bring that experience and network to every meeting — while still keeping things personal, simple, and local.
Areas We Serve
We regularly meet with clients across the Richmond region, including Midlothian, Powhatan, Chesterfield, Bon Air, Henrico, Glen Allen, Short Pump, and Goochland. If you’re nearby — anywhere in Central Virginia — we’re happy to set up a time to meet in person.
Let’s Sit
Down & Talk
If you’ve been putting off getting your insurance sorted, now’s the time. Whether you’re turning 65, planning ahead for your family, or trying to understand Medicare Part D, we’re here to help — in person, on your terms.
