For 16 years I’ve helped Georgia families find honest coverage they can keep — including people other agents turned away. Here’s who I am and how I work.
Hi, I’m Nikki Lee. For the last 16 years, helping Georgia families protect the people they love has been my life’s work. I’m an independent agent, which simply means I don’t work for one insurance company — I work for you. That independence lets me compare many top-rated carriers and keep looking when others stop.
My specialty is people who were told “no.” If you’ve been declined before, or you’re living with a health history, that doesn’t mean coverage is off the table. A decline from one company reflects that company’s rules — not the whole industry. Often, the right carrier makes all the difference.
Licensing: Licensed life-insurance agent — Georgia License #2904117 · NPN 16788999. Independent agent representing multiple insurance carriers. Licensed across the East Coast and able to help families throughout the United States.
Nikki Lee is an independent Georgia life-insurance agent with 16 years’ experience. Independent means she represents many top-rated carriers instead of one company, so she can match each person’s situation — including a past decline or a health history — to a carrier whose guidelines may fit. She writes term, whole life, indexed (IUL) policies, mortgage protection, final expense, and guaranteed-acceptance coverage. Her review is free, honest, and pressure-free, and she serves families across Georgia — and, licensed across the East Coast, throughout the United States.
A captive agent works for a single insurance company and can only offer that company’s products. I’m different. As an independent agent, I represent many top-rated carriers, so I’m free to compare options side by side and recommend what truly fits your life — not what pays me the most. If one company isn’t a fit, I keep looking. That flexibility is the whole reason I can often help people who were turned down elsewhere.
Early on, I kept meeting good people who’d been told they were “uninsurable” — and it wasn’t true. They’d simply applied to the wrong company for their situation. So I built my practice around them. To do it well, I use a tool that matches each person’s situation to the carrier most likely to say yes at a fair rate. Approval and price still depend on the carrier and your application, but starting in the right place changes everything.
My work is faith-driven, and that shows up in plain ways: honesty about what each option really does, no judgment about your health or history, and no pressure to buy. I believe in good stewardship — matching you with coverage you can comfortably keep, not the biggest policy I could sell. A policy that lapses helps no one. The goal is protection that’s still in force when your family needs it.
I help families across the entire state — and, because I’m licensed across the East Coast, I can help families throughout the United States, too. I work by phone, text, and email, so you can ask questions, compare options, and get covered from the comfort of home, on your schedule. If you’re within about an hour’s drive and would rather meet in person, just ask. Whether you’re in metro Atlanta, Savannah, Columbus, Macon, Augusta, or a small town in between, the same honest help is a phone call away.
Straight talk and a free review — that’s it. I’ll listen to your situation, explain your real options in plain language, and answer your questions honestly. If something fits, I’ll show you why. If nothing does, I’ll tell you that too. There’s never a fee for the review and never any obligation. You only move forward if the coverage and the price make sense for you and your family.
“I treat the people I help the way I’d want my own family treated — honestly, patiently, and with care. Getting someone covered who thought they couldn’t be is the best part of my day.”— Nikki Lee, founder
Yes. I’m independent, not captive to any single insurance company. I represent many top-rated carriers, so I can compare options across companies and recommend what genuinely fits your situation — including continuing to look when one company says no. Approval and rates depend on the carrier and your application.
All of Georgia — and, because I’m licensed across the East Coast, I can help families throughout the United States. I work by phone, text, and email, so you can get reviewed and covered from the comfort of home. If you’re within about an hour’s drive and would rather meet in person, just ask.
You pay nothing for my help. The quote and policy review are free, with no obligation. When a policy is placed, the insurance carrier pays the agent a commission — so I’m paid by the carrier, not by you. Your premium is the carrier’s rate either way.
People who were declined before, or who live with a health history. A decline from one company reflects that company’s rules, not the whole industry. Because I’m independent, I can match your situation to a carrier whose guidelines may fit — though approval and rates always depend on the carrier and your application.
No. Most families do everything by phone, text, and email, from the comfort of home. If you’re within about an hour’s drive and would prefer to meet in person, I’m glad to. The choice is yours.
Share a few basics and I’ll personally review what fits. No medical or bank details online, ever.
Talk to a real, licensed Georgia agent today. Free, no obligation.
(404) 889-7422