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Top-Shelf Coverage for Every Season

New Oak Insurance is here for you at every stage of your life and business.

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Auto

Protecting you on the road.
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Home

Coverage that protects your biggest asset.
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Life

Solutions to protect your family’s future.
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Business

Business insurance to protect your company.
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New Oak Insurance

What makes our independent agency different?

At New Oak Insurance, you work with a real person. We interpret the confusing, stuffy jargon so you understand what you’re paying for and why it’s important.

Find Out HowAbout Our Agency

We are by your side every step of the way.

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We represent multiple insurance companies.

We are licensed insurance advisors.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Life Insurance

Solutions to ensure your loved ones have what they need.

Life Insurance

Solutions to ensure your loved ones have what they need.

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We are an Erie Insurance agency, committed to providing great service.

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What Makes New Oak Insurance Special

Here’s what sets us apart when it comes to serving your insurance needs.

Personality

We don’t use stuffy insurance jargon here. Instead, we take a fun, more lighthearted approach.

Clients Come First

Call us with confidence when you need us because we go the extra mile for you, no matter what you need.

Experienced Agents

With extensive experience, we understand what it takes to bring you personalized and quality coverage.

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Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Life
Providing for Your Family
Risk Factor

Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?

Solution

Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.

Mortgage Payments
Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.

Auto Payments
Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs
Risk Factor

An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?

Solution

A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings
Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.

Solution

Life insurance can help support a surviving spouse during their retirement.

Protecting Your Small Business
Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.

Solution

A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement
Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.

Solution

Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.

Life Insurance 101

Ensure your loved ones have what they need with life insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.

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How can New Oak Insurance help?

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Licensed in VA and NC

We are happy to serve all of Virginia and North Carolina, including Chesterfield, VA, Richmond, VA, Midlothian, VA, Henrico, VA, and Hanover, VA.

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