Independent Insurance Guidance
Medicare & Insurance Made Simple
We help seniors and families find the right coverage — with honest guidance, no pressure, and no extra cost to you.
What we cover
Insurance for Every Stage of Life
From Medicare enrollment to protecting your family's future, we've got you covered — with clear explanations and zero jargon.
Medicare Insurance
Turning 65 or already on Medicare? We'll help you understand your options — from Original Medicare to Advantage plans and supplements — and find what fits your health and budget.
ACA Health Plans
Not yet on Medicare? We'll walk you through ACA marketplace plans and help you find coverage that works for your situation, including any subsidies you may qualify for.
Life Insurance
Protect the people you love. Whether you need term coverage or a permanent policy, we'll find a plan that gives your family peace of mind without breaking the bank.
Annuities
Worried about outliving your savings? An annuity can provide guaranteed income for life. We'll explain your options in plain English and help you decide if it's right for you.
Group Insurance
Running a small business? We help employers find affordable group health, dental, and life insurance plans that attract and retain great employees.
Our promise
Why Families Trust Summit
We're independent advisors — which means we work for you, not the insurance companies.
Michael Ogden
Independent Agent · Morgantown, WV
Independent Advice
We're not tied to any single insurance company. That means we shop dozens of carriers to find the plan that's genuinely best for you — not the one that pays us the most.
No Extra Cost to You
Our guidance is completely free. Insurance companies pay us a commission, so you get expert help without paying a dime more than you would going direct.
Local Experts
We're real people in your community. You can call us, meet with us, and count on us to be there when you have questions — not just when you're signing up.
Real stories
What Our Clients Say
"I was so confused about Medicare before I called Summit. They explained everything clearly and helped me find a plan that saved me over $100 a month. I wish I'd called sooner."
Dorothy M.
Retired teacher, age 68
"My husband and I had been putting off dealing with our life insurance for years. The team at Summit made it easy — no pressure, just honest answers. We felt taken care of."
Robert & Carol T.
Retired couple, ages 71 & 69
"As a small business owner, finding affordable group health insurance felt impossible. Summit found us a great plan in less than a week. Highly recommend."
James P.
Small business owner, age 58
Proudly Serving West Virginia & the Surrounding Region
Not sure where to start?
We'll walk you through it — no jargon, no pressure, just clear answers.