# Life Insurance and Annuities | Lighthouse Legacy Strategies > Sharon Donovan, independent life insurance and annuity agent in Arkansas, Missouri and Texas. Retirement income, annuities and final expense, plainly. Canonical page: https://lighthouselegacystrategies.com # Guiding your financial future. Building your legacy. I'm Sharon Donovan, an independent life insurance and annuity agent. I help federal employees, healthcare professionals, truck drivers and their families across Arkansas, Missouri and Texas find coverage and income plans that fit their life. Clear answers, honest advice, zero pressure. ## Three kinds of work. The same three gaps. Benefits that were handed to you rather than chosen, income that depends on being able to work, and a retirement that nobody has turned into a paycheck yet. ### Federal Employees FERS, TSP, FEGLI and the survivor election, read together before the paperwork deadline instead of after. ### Healthcare Professionals Group coverage that ends with the job, income that depends on your hands, and children whose insurability is worth locking in now. ### Truck Drivers Owner-operators with no employer benefits, company drivers whose coverage ends with the job, and a retirement without a pension. ## Most people do not have a product problem. They have a coordination problem. Group coverage from one job, a pension election from another, a policy somebody sold you years ago. None of it was designed together, so nobody can tell you whether you are covered. ### Coverage you were handed, not chosen Group life through work, a policy someone sold you years ago, a pension election you signed on a deadline. None of it was designed together and nobody has read it since. ### Nobody explained the trade-offs Every product has a cost, a limit and a situation where it is the wrong answer. You were shown the upside. You were never shown where the plan breaks. ### A balance is not a paycheck A retirement account is a number. Turning it into income that survives a bad market in your first retired year is a different problem with its own design. ### The protection layer is missing Every plan assumes the earner keeps earning. A diagnosis, a disability or an early death is what actually ends a plan, and that is the layer most families skip. ## Four pillars, one coordinated plan Each of these solves a different problem. The work is deciding which ones you actually need and in what order, which is a different conversation than being sold the one that pays best. ### Retirement Income Planning Turning what you have saved into monthly income you can count on, built around your pension, your Social Security and the gap that is left over. ### Annuities Fixed and fixed indexed annuities that protect a balance you cannot afford to lose and turn it into income that arrives whether the market cooperates or not. ### Life Insurance and IUL Term, whole life and indexed universal life with living benefits, sized to the job you are hiring the policy to do rather than a rule of thumb. ### Final Expense and Mortgage Protection Smaller policies with simplified approval that keep a funeral or a mortgage from landing on your family in the worst week of their lives. ## Five steps. No pressure, no jargon. The first call has no application in it. If you leave understanding your options and decide to do nothing, that is a legitimate outcome and I will say so out loud. ### A short conversation Income, obligations, timeline and what you are actually worried about. No product is mentioned and nothing is sold. Usually 20 to 30 minutes by phone or video. ### A look at what you own Group coverage, old policies, pension paperwork, retirement accounts. I map what each piece is doing today and where the gaps are, and you get that in writing. ### Options, side by side Two or three routes with the trade-offs written down: guarantees, access to the money, cost, and the scenario where each one underperforms. ### Application and underwriting I handle the application, the carrier questions and the beneficiary designations end to end, and you have my direct number the whole way through. ### Annual review Jobs change, families change, rules change. I review every policy I place each year so it keeps doing the job you bought it for. ## Independent by design. Access to multiple carriers. Focused on you. As an independent licensed insurance agent, I have access to products from multiple insurance carriers rather than being limited to a single company. That lets me compare options side by side and show you why one fits your protection and retirement-income goals better than another. ### Independent, with multiple carriers I am not tied to one company, so I compare options from several insurance carriers and show you why one beat another instead of defending a single shelf. ### Education before product The first call has no application in it. If you leave understanding your options and decide to do nothing, that is a legitimate outcome and I will say so. ### One person, start to finish You talk to me. There is no call center, no junior handling your file, and no handoff after the sale. My direct number is the same one on every page. ### Built for the way you work Federal service, hospital shifts and long-haul routes do not fit a nine to five office. Evenings, phone and video are normal here, not an exception. States licensed Arkansas, Missouri and Texas Person on your file Sharon takes every call herself Coordinated pillars Retirement income, annuities, life insurance, final expense **30 min** First call No product presented, no application, no cost ## In her words > A policy you don't understand is a policy you will cancel in the first hard year. My job is to make sure that never happens. *Sharon Donovan* > Saving is building the pile of money. Income planning is deciding how that pile pays you back, month by month, for the rest of your life. *Sharon Donovan* ## One agent, start to finish You talk to me, not a call center. I take every call, run every consultation and handle every application myself, and my direct number is on every page. ## Sharon Donovan I'm Sharon Donovan, an independent life insurance and annuity agent with Lighthouse Legacy Strategies. I help families and individuals plan for what matters most: protecting the people you love and building steady income for the years ahead. Most of the people I work with are federal employees, healthcare professionals and truck drivers. They share something: benefits that were handed to them, not chosen, and a schedule that does not leave room for a sales pitch. My goal is to make life insurance and annuities simple to understand, so you can decide with confidence instead of guesswork. **3 states** licensed in Arkansas, Missouri and Texas **Independent** not tied to one insurance company **NPN 18170848** verifiable with any state insurance department ## Shifts, routes and federal calendars. Most of the people I work with cannot take a call at two in the afternoon. Nurses are on twelves, drivers are on the road, and federal employees are on a schedule set by somebody else. So the practice runs on phone and video, in the evening when it has to, in twenty to thirty minutes at a time. Send a photo of your paperwork, talk to me from wherever you are, and I handle the carrier calls while you get on with your day. ### Federal employees A FEGLI premium that just jumped, a survivor election with a deadline, or a TSP balance that has to become a paycheck. ### Healthcare professionals Group coverage that ends with the job, income that depends on being able to work, and children worth covering while they are young. ### Truck drivers Owner-operators with no safety net and company drivers whose coverage ends the day they switch carriers. ### Second opinions You already own something and want an honest read on it. Bring the illustration or the contract. Replacement is not automatically an upgrade. ## What clients say about working with Sharon Three situations I see constantly: a family that finally understands its policy, a retiree who wanted income he could count on, and a parent who did not want a funeral to become her children's bill. > Sharon walked me through my options without any pressure. I finally have a policy that makes sense for my family and I understand exactly what it does. *Denise Life insurance client · Missouri* > I wanted guaranteed income I could count on in retirement. Sharon explained the annuity in plain language and answered every question honestly. *Marcus Annuity client · Arkansas* > The whole process took one short call. My final expense policy is in place and my kids won't have to worry about that cost. *Carla Final expense client · Texas* ## The things people ask before they call ### What does an independent insurance agent do? An independent agent helps you work out what you need, compares options from multiple insurance carriers, and handles the application and the service work afterward. Independent means I am not tied to one company's shelf of products. I am based in central Arkansas and work with families across Arkansas, Missouri and Texas, mostly by phone and video. ### What is the difference between a captive agent and an independent agent? A captive agent represents one insurance company and can only offer what that company sells. An independent agent has access to products from multiple carriers and can compare them side by side. The practical difference is choice: when one carrier prices a case badly or declines it, I have somewhere else to go. ### Does it cost anything to work with an independent agent? No. My compensation comes from the insurance company you choose, and it does not change your premium. You pay the same price working with me as you would going direct to the company. There is no consultation fee, planning fee or retainer at any stage. ### How do insurance agents get paid? Insurance carriers pay a commission on policies placed with them, typically a percentage of the premium, with a smaller ongoing amount in later years for servicing the policy. You do not write a separate check to me. If you want to know how I am compensated on a specific recommendation, ask during the call and you will get a straight answer. ### What is the difference between term and permanent life insurance? Term covers you for a set number of years and pays only if you die during that period. Permanent coverage, such as whole life or indexed universal life, is designed to last for life and can build cash value over time. Term costs less for the same death benefit. Permanent does more but carries structure worth understanding fully, including charges, policy loans and how cash value actually behaves. ### Can I own both term and whole life insurance? Yes, and it is often the smartest structure: a larger term policy to cover income replacement and the mortgage years, plus a smaller whole life policy for permanent needs like final expenses and legacy. Many of the families I work with end up with exactly that. ### What is an annuity and who is it for? An annuity is a contract with an insurance company, usually bought to turn savings into income or to hold money under a defined set of guarantees and limits. It suits people at or near retirement who value income they cannot outlive over maximum growth. Every annuity has trade-offs: surrender periods, caps, fees and limited access. Anyone who skips that part is not doing the job properly. ## Book the first conversation. It costs nothing and sells nothing. Twenty to thirty minutes on your income, your obligations, your timeline and what you are actually worried about. No products. No application. You leave with a clearer picture either way. --- Lighthouse Legacy Strategies, the independent insurance practice of Sharon Donovan, a licensed life insurance and annuity agent in Arkansas, Missouri and Texas, based in Little Rock, Arkansas. Retirement income planning, annuities, life insurance and IUL with living benefits, final expense and mortgage protection. Sharon Donovan (501) 516-9456 (call or text), sharon.donovan@wealthwave.com. By appointment, including evenings. Most consultations happen by phone or video. Important disclosures: Lighthouse Legacy Strategies is an independent insurance practice. Sharon Donovan is a licensed insurance agent (NPN 18170848) in Arkansas, Missouri and Texas. This website is for educational purposes only and is not financial, tax, legal or investment advice. Guarantees are backed by the claims-paying ability of the issuing insurance company. Policy loans and withdrawals reduce cash value and death benefits. 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