Growth
IUL (Indexed Universal Life)
Flexible life insurance that grows with market indexes — balancing protection with wealth building.
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Premium Life Insurance
Your Family's
Future, Secured
With Care.
Prime Time Insurance provides personalized coverage solutions that protect the people and legacy you've spent a lifetime building — with clarity, compassion, and expertise.
500+
Families Protected
14+
Coverage Types
10+
Years Experience
Trusted Protection
Personalized for you
What We Offer
Comprehensive Coverage, Tailored for Every Life
Truckers
Trucker's Life Insurance
Specialized life coverage built for OTR drivers and owner-operators — real protection for America's hardest workers.
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Protection
Term Life Insurance
Affordable, focused coverage for specific life stages — providing peace of mind when it matters most.
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Lifelong
Whole Life Insurance
Permanent protection with cash value that grows over time — a cornerstone of your financial plan.
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Dignity
Final Expense Insurance
Honor your loved ones with dignified coverage that handles end-of-life expenses with grace.
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Retirement
Retirement Protection
Ensure your golden years are truly golden — with strategies designed for lasting financial security.
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Legacy
Family Legacy Planning
Leave a legacy that outlasts a lifetime — tax-free wealth transfer for generations to come.
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Premium
High Net Worth
Elite-level protection for those who've achieved more — comprehensive coverage designed for your lifestyle.
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Veterans
Veteran's Life Insurance
Helping veterans and their families secure long-term financial protection and peace of mind with tailored coverage.
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Luis Sharpe
Founder & Lead Advisor
Our Story
Insurance is not a product you sell to someone. It is a promise you make to the people they love most. Everything I do at Prime Time starts from that truth.
Luis Sharpe's path to Prime Time began long before any policy or premium. It started on a football field at Glendale Community College, where he helped lead his team to the Valley of the Sun Bowl. The experience gave him something no textbook could: the discipline to prepare when no one is watching, and the instinct to show up fully for the people counting on you.
He carried that drive to Western Illinois University, where he earned his Bachelor's degree and developed the analytical and interpersonal skills that would later define how he serves his clients. But it was becoming a father that changed everything.
The moment Luis held his child for the first time, the weight of what insurance truly means became personal. Not policies. Not paperwork. But the quiet promise that if something ever happened to him, the people he loved most would be okay. That understanding became the foundation of Prime Time Insurance, and it shapes every single consultation he has today.
🛡️
Trust First
Every recommendation is driven by your needs, not a commission check.
💡
Clarity Always
We translate complex insurance into language that actually makes sense.
🤝
Lifelong Partnership
Our relationship doesn't end at the policy — we're with you every step.
✨
Expert Guidance
Over a decade of experience navigating complex coverage needs.
Why Choose Us
The Prime Time Difference
01
Human-First Approach
We listen before we recommend. Every consultation begins with understanding your life, your goals, and your concerns — not a sales script.
02
Expert Navigation
The insurance landscape is complex. We simplify it — translating policies, comparing options, and delivering clarity so you can decide with confidence.
03
Lifetime Relationships
Life changes. Your coverage should too. We stay connected through milestones — marriage, children, retirement — ensuring your plan always fits your life.
04
Premium Service
White-glove service from consultation to claim. Our clients receive dedicated support that treats them with the care and respect they deserve.
05
Tailored Coverage
No two families are alike. We craft bespoke coverage solutions that align precisely with your income, dependents, and future aspirations.
06
Proven Track Record
Hundreds of families protected. Countless claims supported. A reputation built on results, referrals, and genuine care for our clients.
Client Stories
Words From Real Families
Luis sat with us for two hours, explaining everything clearly. We left feeling genuinely taken care of, not sold to.
I had been putting off life insurance for years. One conversation with Luis and I finally understood why it matters. Had everything set up the same week.
After my husband passed, the final expense policy Luis had set up years earlier covered everything. I did not have to worry about a single bill during the hardest time of my life. I am forever grateful.
As a trucker, finding real coverage felt impossible until I found Prime Time. Luis found something that actually works around my schedule and the way my income comes in.
We set up our IUL through Prime Time three years ago. Watching the cash value grow has been genuinely exciting. It is the best financial decision we have made together.
Begin Today
Your Family Deserves
More Than a Policy
Schedule a private consultation with Luis and discover the coverage that truly fits your life — no pressure, no jargon, just genuine guidance.