INDEPENDENT · CHARLOTTE, NC

Insurance Made Clear, Guidance You Can Trust.

Foxworth Insurance Agency is an independent, locally-owned insurance agency in Charlotte, NC, helping seniors, families, and veterans compare Medicare, life, and health coverage from multiple carriers. Because we’re independent, our advice is built around you — not one insurance company. Your first consultation is free, with no pressure and no obligation

Licensed in NC · SC · VA | Multiple carriers compared

Free consultation · No obligation

Welcome to Foxworth Insurance Agency

Meet Willnette - Charlotte, NC · SC · VA

You’ll work with a real person not a call center. Willnette Foxworth founded Foxworth Insurance Agency to give Carolina families a calmer, clearer path through insurance. Licensed in NC, SC, and VA, she compares multiple carriers so the recommendation fits your life, your doctors, and your budget then stays with you long after the policy is issued.

Foxworth Insurance Agency is a trusted Charlotte, NC insurance agency helping individuals, families, business owners and veterans navigate life insurance, health insurance, Medicare, and supplemental veterans coverage with clarity and confidence. As an independent insurance broker in North Carolina, South Carolina, and Virginia, our mission is to protect both your health and your financial future with personalized insurance solutions that evolve with your needs.

Insurance Services in NC, SC & VA

What we Offer

Medicare

Advantage, Supplements, Part D, and enrollment help for Carolina seniors.

Life Insurance

Term, whole, IUL, and final expense to protect your family.

Health/ACA

Marketplace plans, family coverage, and short-term plans across NC and SC.

Critical Illness

Lump-sum benefits for cancer, heart attack, and stroke diagnoses.

Veterans

Advantage, Supplements, Part D, and enrollment help for Carolina seniors.

Hospital Indemnity

Cash benefits for hospital stays to help cover unexpected medical costs.

How we work

The Guidance You Need, The Patience You Deserve.

1 We Listen First

A free 15-minute call about your needs.

2 Compare

We shop multiple carriers for your fit.

3 Relax

Enroll with help — we stay close after

FAQ

General Questions

Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as some younger people with disabilities or specific medical conditions. As a licensed Medicare insurance agent in NC and SC, we help individuals understand their benefits and choose the right coverage.

Foxworth Insurance Agency provides Medicare Advantage plans, ACA / health insurance, life insurance, final expense insurance, dental and vision insurance, accident and critical illness coverage, short-term health insurance plans, and supplemental health plans for veterans across NC and SC.

Absolutely. Whether you’re exploring Medicare Supplement plans, life insurance policies, family health insurance plans, or supplemental coverage in NC and SC, we compare multiple carriers and plan types so you can make an informed decision.

Selecting the right coverage depends on your health needs, financial goals, age, and family situation. We take the time to understand your circumstances and recommend Medicare, health, life, or supplemental insurance plans personalized to you.

The Medicare Annual Enrollment Period (AEP) runs October 15 – December 7 each year. During this time, you can make changes to your Medicare coverage for the following year. We provide personalized guidance to help you choose the right plan.

Yes. Medicare is often used as primary coverage, with private insurance — such as dental insurance for seniors on Medicare — serving as secondary coverage to help fill gaps.

Choose a plan by evaluating your healthcare needs, preferred providers, budget, and prescription drug coverage. Our team can help guide you through the entire process.

Yes. For seniors not yet 65, we offer individual health insurance plans, ACA plans, short-term medical plans, life insurance, final expense policies, and other coverage options until they transition into Medicare.

Yes. We offer supplemental health plans and additional benefits designed specifically to support veterans. These plans are structured to work alongside VA healthcare to help fill coverage gaps.

Yes. We review your existing Medicare plans, life insurance policies, ACA health coverage, or supplemental benefits to ensure they still meet your needs. If a better option is available, we’ll help you make a smooth transition at no extra cost.

You can contact us by phone at 980-689-0662, by email at willnette@foxworthinsuranceagency.com, or through our contact form. We are proud to serve as a trusted Charlotte, NC insurance agency for clients across the Carolinas.

Working with a licensed life insurance agent or broker in North Carolina gives you access to personalized guidance, local expertise, and plan options aligned with your financial goals, family needs, and state-specific regulations.

Testimonials

What Our Clients Say

Why Use an Independent Broker?

Your Advocate — Not the Insurance Company’s

When you work with Foxworth Insurance Agency, you’re not tied to just one insurance company. As an independent broker, we represent multiple highly rated carriers, allowing us to compare options and find the coverage that truly fits your needs and budget.

From the Blog

Insurance Insights & Local Guides

Financial Planning for Retirees in Mooresville, NC: 2026 Considerations

Learn essential financial planning strategies for retirees in Mooresville, NC in 2026, focusing on managing Medicare costs, reviewing life insurance, and budgeting for healthcare expenses.

Short-Term Health Coverage Considerations in North Carolina for 2026

Learn about short-term health coverage in North Carolina for 2026, including typical coverage, exclusions, and when these plans help bridge insurance gaps.

Critical Illness Insurance Overview for North Carolina Workers

Discover how critical illness insurance supports North Carolina workers with lump-sum payouts triggered by serious diagnoses and how it differs from traditional health insurance.

Covergage

How Insurance Service Areas Connects With The Rest Of Your Coverage

Local availability and timing can also matter. Clients often compare options first in Charlotte, NC, then review similar questions for households in Huntersville, NC, Concord, NC, and Gastonia, NC. South Carolina families can start with Charleston, SC or Columbia, SC and then schedule a personal review when the county, carrier, or enrollment period changes the answer.