Insurance That
Feels Personal
Prime Time Insurance was built on a belief that every family deserves expert protection — delivered with clarity, warmth, and genuine care.
What We Stand For
We Don't Sell Policies.
We Build Financial Peace.
Luis Sharpe understands protection differently than most. Before he ever became an insurance advisor, he was a student-athlete learning what it means to carry people who depend on you. That understanding has never left him.
Today, that same commitment shapes every client relationship at Prime Time. Luis works personally with every family to make sure their coverage is not just adequate, but genuinely right for the life they are living and the future they are building.
He does not believe in generic solutions. He believes in listening first, understanding deeply, and then building a plan that fits the person in front of him with precision and care.
Our Principles
Built on Foundation
Everything we do at Prime Time flows from these core commitments.
Client Advocacy
We represent your interests above all else. Every recommendation is made with your future, not a sales target, in mind.
Radical Transparency
No hidden fees, no confusing clauses, no surprises. We walk through every detail until you understand exactly what you're getting.
Long-Term Thinking
Insurance isn't a transaction — it's a relationship. We plan for decades, not just today, ensuring your coverage grows with your life.
Community Roots
We proudly serve diverse communities, offering guidance in multiple languages and understanding the unique needs of every background.
Responsive Service
When you have a question or need changes, you reach a person — not a call center. Real support from someone who knows your story.
Precision Planning
One size never fits all. We craft coverage solutions calibrated precisely to your income, family structure, and future goals.
The Story Behind Prime Time
Discipline, Education,
and the Heart of a Father
From the Field to the Family
Before Luis became the advisor that hundreds of families trust with their financial futures, he was a student-athlete learning lessons that no classroom could fully teach. At Glendale Community College, he found his footing as a leader on and off the field. His team's journey to the Valley of the Sun Bowl became one of the defining chapters of his life — not because of the achievement itself, but because of what it demanded: preparation when no one was watching, composure under pressure, and the commitment to keep showing up for the people beside you.
Building the Foundation
Luis carried that discipline 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. He studied, asked hard questions, and built a deep understanding of how financial decisions ripple through a family's life across decades, not just months.
When Everything Became Personal
Then came fatherhood. And everything shifted.
Becoming a father gave Luis a perspective on insurance that no training could manufacture. He had seen firsthand how the right coverage — or the complete absence of it — could define a family's entire future when the unexpected arrived. As a father, the weight of that responsibility became completely real to him. He knew what families deserved. And he made a decision to build something that could actually deliver it.
Prime Time Is Born
Prime Time Insurance was built on that foundation — the discipline of an athlete who learned to carry others, the education of a scholar who asked the right questions, and the irreplaceable perspective of a father who truly understands what is at stake. Today, Luis brings all of that into every consultation. Not as credentials on a wall. But as the genuine reason he does this work with such personal care.
Ready to Meet the
Team Behind the Promise?
A single conversation with Luis can change how you think about your family's financial future. Let's begin.