St. Louis' Trusted Insurance Partner

Your health. Your future.
Protected.

We don't sell policies — we build safety nets. Personalized health, dental, vision, and life insurance crafted around your life, your budget, and your peace of mind.

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Locally Owned
St. Louis Since Day One
Comprehensive Plans
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What We Offer

Coverage that fits
your life

From individual health plans to comprehensive business packages, we navigate the complexity so you don't have to. Every policy is tailored, not templated.

Health Insurance

Individual, family, and marketplace plans that prioritize your well-being without breaking the bank. We compare options so you get the best fit.

ACA Plans Critical Illness

Life Insurance

Term, whole, and universal life policies that secure your family's future. We help you understand what you actually need — not what you're sold.

Term Life Whole Life

Dental & Vision

Complete dental and vision coverage that keeps your whole family smiling and seeing clearly. Affordable monthly premiums with real provider networks.

Preventive Care Orthodontics

Medicare Solutions

Navigate Medicare with confidence. We explain Part A through D, Medicare Advantage, and supplemental plans in plain language — no jargon.

Medicare Advantage Supplement

Group & Business

Small business health plans that attract and retain talent. We handle the paperwork, compliance, and ongoing support so you can focus on growing.

Small Group Solo Practice

Claims Assistance

Denied claim? Confused by benefits? We fight for you. Our claims support ensures you get what you've paid for — every single time.

Appeals Advocacy
Sappington Insurance Services office in St. Louis

100%

Client Focused

St. Louis

Local & Proud

About Us

Insurance with a human face

Sappington Insurance Services is a St. Louis-based firm built on one simple belief: insurance should protect people, not complicate their lives. We work with leading carriers to find coverage that actually makes sense for you.

Whether you're a family looking for affordable health coverage, a small business owner securing employee benefits, or someone planning for the future with life insurance — we take the time to understand your situation. No rush, no pressure, just honest guidance from people who care.

Personalized consultations — no automated scripts or generic recommendations

We compare multiple carriers to find your best option, not just the highest commission

Ongoing support — we're here when you need us, not just at sign-up

Why Choose Us

Not just an agent.
Your insurance partner.

One-on-One Guidance

Every client gets direct access and personalized attention. No call centers, no runaround.

Time-Saving Research

We do the heavy lifting — comparing plans, reading the fine print, and presenting your best options.

Claims Support

When things go wrong — and they sometimes do — we're in your corner fighting for your claim.

Locally Rooted

Based right here in St. Louis. We know our community and understand local healthcare needs.

Client Stories

Trusted by families across St. Louis

"I was overwhelmed by all the health insurance options during open enrollment. Sappington walked me through everything patiently and found a plan that actually covered what I needed — at a price I could afford."

M

Michael T.

St. Louis, MO

"As a small business owner, I needed group health coverage that wouldn't bankrupt me. They set everything up seamlessly and my employees actually appreciate the options we found."

S

Sarah K.

St. Louis, MO

"When my claim got denied, I didn't know what to do. Sappington stepped in, handled the appeal, and got it approved. They truly have my back — that's the kind of service you can't put a price on."

D

David R.

St. Louis, MO

Ready to stop guessing and start covering?

Book a free, no-pressure consultation. We'll review your needs and show you exactly what's available — no sales pitch, just clarity.

Schedule Free Consultation Call (314) 472-5666
Get In Touch

Let's talk about your coverage

Whether you have questions or are ready to get started, we're here. Reach out by phone, email, or stop by our St. Louis office — we'd love to meet you.

Phone

(314) 472-5666

Email

sgtmikesapp@sbcglobal.net

Office

8762 Saint Charles Rock Rd Ste 102

St. Louis, MO 63114

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Visit Our Office

8762 Saint Charles Rock Rd Ste 102
St. Louis, MO 63114

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