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
📅  Schedule Free Consultation View Services →
12+
Products Offered
12
Licensed States
$0
Cost to You
Shi'Mek Charley — Licensed Insurance Advisor
🏆
Licensed & Certified
Life & Accident/Health Advisor
12
States
Licensed
Full Product Portfolio

Additional Services I Offer

🏥
Medicare Supplement
Medigap plans that fill the cost gaps left by Original Medicare.
⭐
Medicare Advantage
All-in-one Medicare plans often including dental, vision, and Rx.
💊
Prescription Drug Plans
Medicare Part D coverage to manage your medication costs.
🏨
Health Insurance
Individual and family ACA marketplace and private health plans.
🕊️
Final Expense
Whole life plans designed to cover funeral and end-of-life costs.
🦷
Dental Plans
Standalone dental coverage for routine care and major procedures.
🏠
Long Term Care
Coverage for nursing home, assisted living, and in-home care.
📈
Retirement Planning
Annuities and strategies to secure your retirement income.
⏱️
Short Term Medical
Temporary health coverage for life transitions and coverage gaps.
💼
Financial Advisory
Holistic financial guidance to grow and protect your wealth.
Shi'Mek Charley
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.

✓
Life Insurance Specialist
✓
Supplemental Benefits Expert
✓
Medicare Planning
✓
Retirement Strategies
✓
Independent — Multi-Carrier
✓
Free Consultations
✓
12 Licensed States
✓
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.

🛡️
Life & Accident/Health License
Full life and health products available
Wisconsin (WI) ★ Resident Florida (FL) Kentucky (KY) Michigan (MI) Texas (TX)
❤️
Accident & Health License
Health and supplemental products available
Colorado (CO) Louisiana (LA) North Carolina (NC) Ohio (OH) South Carolina (SC) Tennessee (TN) Virginia (VA)

* Not seeing your state? Contact me — additional licensing may be available. Products and availability vary by state.

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.

01
🤝
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.

02
🎯
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.

03
💬
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.

04
🆓
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.

05
📞
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.

06
⚡
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.

Get Started

Let's Build Your Protection Plan

Schedule a free consultation or send me a message. No pressure, no obligation — just a real conversation about your needs.

Reach Me Directly

📅
Schedule Online
Book a free 60-min call →
💼
LinkedIn
linkedin.com/in/scharley
📍
Resident State
Wisconsin (WI) · Serving 12 States
🕐
Availability
Monday – Saturday · By Appointment
📅
Ready to get covered?
Book Your Free Consultation

Send Me a Message

🔒 Your information is private and never shared. No spam — ever.