Welcome to Crocker Financial LLC

    Life Insurance to Protect What Matters Today—and Plan for What Comes Next

    Compare life insurance, mortgage protection, final expense, income protection and insurance-based retirement options from multiple carriers with personal guidance from Crocker Financial.

    Life insurance should be easier to understand. Crocker Financial helps families, homeowners, and business owners compare life insurance, mortgage protection, and insurance-based options around their needs, goals, and budget. We explain the choices clearly so you can make an informed decision without unnecessary pressure.

    Serving families, homeowners and business owners in Ohio, South Carolina, South Dakota, Virginia, Tennessee and Indiana.

    Get Started with Dedicated Support

    Compare Coverage Options
    Explore Our Services
    Get a Free Quote

    Not sure what type of coverage fits your situation? Start with your goals. We’ll help you understand the options.

    Not sure what type of coverage fits your situation? Start with your goals. We’ll help you understand the options.

    Policy availability, features, riders, rates and underwriting requirements vary by carrier, product and state.

    Picture of Matthew in an office

    Matthew Crocker

    Owner and Principal Advisor

    Driven by a passion for protecting families, I founded this agency to bring clarity, deep industry expertise, and personalized life insurance solutions to every client. We are small enough to treat you like family, but big enough to make a real difference in securing your financial future.

    Combining years of financial background with a dedication to treating you like family, my goal is to guide you through every stage of planning so you can secure your financial future with complete confidence.

    Who We Are

    Insurance Guidance Built Around People, Not Products

    Crocker Financial is a life insurance and protection-focused firm based in Kent, Ohio. We help families, homeowners, individuals, and business owners understand the financial risks they want to protect against and the insurance options available to address them.

    Through our relationship with Symmetry Financial Group, we have access to products from more than 30 insurance carriers. That gives us the ability to compare different solutions rather than approach every client with the same policy.

    Our process starts with education. We want you to understand what you are protecting, why a particular type of coverage may or may not fit, what it costs, and how it works before you make a decision. Our work is guided by faith, integrity, transparency, and the belief that people should always come before policies.  As a member of the National Association of Insurance and Financial Advisors (NAIFA), Crocker Financial supports the organization’s emphasis on professional development, advocacy, ethical conduct, and service to clients. We hold ourselves to the highest standards of ethics, advocacy, and client-first service and management solutions.

    Learn more about us
    Learn more and access resources.

    Insurance Solutions for Different Stages of Life

    The right insurance strategy depends on what you are trying to protect. Explore the types of coverage we help clients understand and compare, from temporary income and mortgage protection to permanent coverage, final expenses, living-benefit options, and insurance-based retirement strategies.

    Hands forming a protective roof over a small wooden house

    Mortgage Protection

    Life insurance designed around the financial responsibility of a mortgage. Coverage can provide a death benefit that beneficiaries may use for mortgage payments, household expenses, debts, or other financial needs.

    Hands forming a protective shield around wooden family figures, symbolizing final expense insurance and family financial security.

    Universal Life Insurance

    Permanent life insurance that can offer flexible policy features and cash value accumulation. Costs, crediting methods, guarantees, and available riders vary by policy and carrier.

    3

    Term Life Insurance

    Life insurance that provides coverage for a defined period. Term coverage is often considered when protecting income, a mortgage, debts, children, or other needs that may decrease over time.

    4

    Final Expense

    Life insurance generally designed with a smaller death benefit that can help loved ones manage funeral, burial, cremation, medical, or other final expenses.

    5

    Disability Insurance

    Coverage designed to replace a portion of income when a covered illness or injury prevents you from working. Benefit amounts, definitions, waiting periods, and coverage terms vary by policy. If you or your spouse were injured, and unable to work, what would be your game plan?

    Couple sitting together with supportive embrace, symbolizing financial protection during health challenges

    Critical Illness Insurance

    Coverage that may provide a lump-sum benefit following the diagnosis of a covered critical illness. Benefits can help provide additional financial flexibility while dealing with a serious health event.

    7

    Retirement Income & Annuity Options

    Explore insurance-based options such as annuities and certain permanent life insurance strategies that may complement your retirement income and legacy goals. The appropriate approach depends on your individual needs and circumstances.

    8

    SmartStart Insurance

    Permanent life insurance designed for children can provide long-term protection while building policy value over time. Depending on the policy, that value may later provide financial flexibility for goals such as education, a first home, or other needs.

    Insurance products, features, riders, eligibility, rates, and availability vary by carrier and state. Coverage is subject to underwriting and carrier approval. Policy guarantees are backed by the claims-paying ability of the issuing insurance company.

    Mortgage Protection Basics

    Your mortgage may be one of your household’s largest financial responsibilities. Life insurance can be structured with that responsibility in mind, giving your beneficiaries financial resources if you die while the policy is in force.

    Mortgage protection is not the same as private mortgage insurance, or PMI. The goal here is protecting the people responsible for the home—not protecting the lender against a borrower’s default.

    Mortgage protection generally refers to using life insurance to help address the financial responsibility of a mortgage. If the insured dies while coverage is in force, the policy pays the applicable death benefit according to its terms.

    Once you qualify, you pay premiums based on your amount of coverage. If you die while the policy is in force, the insurance company provides funds to pay off your mortgage.

    Mortgage protection provides funds to cover an outstanding mortgage balance in the event of your death.

    The main benefit is to protect your family in the event you die with an outstanding mortgage balance. This coverage is also easy to purchase, no physical exam is typically required, and rates are generally affordable. Certain policies also offer a return of premium feature, so if you don't use the benefit, you get your money back.

    With an individually owned life insurance policy, the death benefit is generally paid to the named beneficiary. The beneficiary may decide how to use those funds, which could include mortgage payments, paying down the loan, household expenses, other debts, or additional financial needs.

    There is no single amount that works for every homeowner. Your mortgage balance is one factor, but it may also make sense to consider income replacement, other debts, household expenses, children, existing coverage, and your family’s available resources.

    Some carriers offer simplified-underwriting or no-exam options for qualifying applicants. Availability depends on factors such as age, health history, coverage amount, carrier guidelines, and the type of policy.

    The cost of life insurance varies based on factors including age, health, tobacco or nicotine use, coverage amount, policy type, term length, and carrier underwriting. Comparing multiple carriers can help identify available options that fit your situation.

    No. Private mortgage insurance generally protects a lender if a borrower defaults on a mortgage. Life insurance used for mortgage protection is designed to provide a benefit according to the insurance policy if the insured dies while covered.

    Yes! Since so many companies offer this coverage, pricing is competitive and therefore affordable.

    Most plans are offered with simplified underwriting, so you don't always have to pass a medical exam to qualify. If you have a pre-existing condition, this can be a less competitive option to qualify for.

    If you plan to purchase a home, or you're already paying a mortgage, you should have this insurance to ensure you're protected if the unexpected happens get started early.

    We are happy to answer any questions you might have with client support. Get in touch with us to contact our team.

    Want to understand the options in more detail?

    Learn About Mortgage Protection

    Why Families Work With Crocker Financial

    Choosing coverage involves more than finding a policy. It means understanding what you need, comparing appropriate options, and knowing what you are committing to.

    More Options

    Access to products from more than 30 insurance carriers gives us the ability to compare options across different needs, underwriting profiles, and budgets.

    Education Before Decisions

    We explain how the coverage works, where the limitations are, and what alternatives may be available so you can make an informed choice.

    Personal Guidance

    Your family, mortgage, business, goals, and responsibilities are different from someone else’s. Your insurance review should reflect that.

    Faith-Centered Service

    Our values shape how we serve: relationships matter, communication should be honest, and doing the right thing comes before making a sale.

    Proud NAIFA Member

    Committed to professionalism, continued education, ethical conduct, and client-focused service.

    Crocker Financial is a proud NAIFA member, representing trusted insurance and financial advisors nationwide
    Proud NAIFA Member – Committed to the highest standards of ethics, professionalism, and client service
    See the Crocker Financial Difference

    Helpful Resources for Better Insurance Decisions. Experience the Crocker Financial Difference

    Insurance becomes easier to evaluate when you understand how it works. Explore straightforward answers, comparisons, and educational resources designed to help you make more informed decisions.

    Ready to Compare Your Coverage Options?

    Tell us a little about what you are looking for. We’ll use that information to better understand your needs and help you explore available insurance options. You do not need to know exactly what type of policy you need before getting started.

    Start Your Coverage Review

    Complete the information below and a Crocker Financial representative will follow up to discuss your request.

    Insurance products and availability vary by carrier and state. Coverage is subject to underwriting, carrier approval, and policy terms. Policy features, riders, premiums, limitations, exclusions, and guarantees vary by product. Guarantees are backed by the claims-paying ability of the issuing insurance company. Information provided by Crocker Financial is for educational purposes and is not legal, tax, or investment advice.

    Coverage Review / Quote Form