Personalized Solutions. Trusted Carriers. Peace of Mind for Your Future.
Sarah Owens is an independent Insurance Specialist who helps families, pre-retirees, and self-employed professionals compare 16+ top-rated insurance and financial companies without high-pressure sales or call-center runarounds.
Direct 1-on-1 guidance with Sarah Owens • No call centers • No high-pressure sales
Sarah Owens
Independent Insurance Specialist • NPN #22361652
NIPR Verified • 16+ Top-Rated Carriers
"Personalized solutions, trusted carriers, and peace of mind for your future—built by comparing 16+ top-rated insurers side-by-side."
Sarah Owens
Insurance Specialist
Built on transparency, multi-carrier choice, and personal accountability.
When most people shop for life insurance, retirement annuities, or supplemental health coverage, they run into one of two frustrations: either they speak with a captive agent who can only sell a single company's products, or they fill out a web form that sells their phone number to 15 aggressive telemarketers.
Sarah Owens built her practice to be the exact opposite. As an independent, NIPR-verified Insurance Specialist (NPN #22361652), she works directly for you and your family. Because every insurance carrier underwrites health history, age, and financial goals differently, Sarah compares 16+ top-rated insurance and financial companies side-by-side to find the strongest benefits and most competitive rate for your household.
1. Personalized Solutions
Every policy is customized around your family's income, mortgage timeline, health profile, and long-term retirement goals.
2. Trusted Carriers
Access 16+ established institutions including F&G, Athene, Mutual of Omaha, Foresters, Transamerica, National Life Group, and Aflac.
3. Peace of Mind
Protect your loved ones with tax-free death benefits, living benefits for critical/chronic illness, and principal-protected retirement income.
16 Flagship Carriers Compared Side-by-Side
Instead of fitting your family into a single company's box, Sarah Owens shops across 16+ industry-leading carriers to find your best underwriting class and policy structure.
Frequently Asked Questions About Working with Sarah
Clear answers on licensing, independent carrier comparisons, and how consultations work.
How can I verify Sarah Owens' insurance license?
Sarah Owens is a licensed independent Insurance Specialist verified through the National Insurance Producer Registry (www.NIPR.com) under National Producer Number (NPN) #22361652.
What is the difference between an independent specialist and a captive agent?
A captive agent works for a single insurance company and can only offer that company's products and pricing. As an independent specialist, Sarah Owens compares 16+ top-rated insurance and financial companies side-by-side—including F&G Annuities & Life, Foresters Financial, Athene, Transamerica, Mutual of Omaha, National Life Group, Corebridge Financial, Americo, Ethos, Ladder, TruStage, Aflac, Aetna, AIG, and John Hancock Vitality—so your coverage is chosen for your benefit.
Does working with Sarah Owens cost extra?
No. Consultations, policy audits, and side-by-side carrier comparisons are 100% complimentary. Insurance rates are regulated by state insurance departments and set directly by the carriers—meaning you pay the exact same premium as going directly to the carrier, while gaining a dedicated personal advocate.
Will my contact information ever be sold to a call center?
Never. Unlike online quote farms that sell your phone number to dozens of agents, every inquiry submitted on this site goes strictly to Sarah Owens for a calm, 1-on-1 conversation.
Let's design a plan built around your future.
Reach out directly to Sarah Owens for a calm, no-obligation review of your life insurance, retirement annuity, supplemental health, or Medicare options.