Your Love is a Legacy. Make Sure It’s a Protected One.

You work hard to provide for your family today. Don’t let the unexpected take away their security tomorrow. We help you build a financial safety net so your loved ones are always taken care of, no matter what happens.

Is Your Family’s Future Left to Chance?

Thinking about life insurance is uncomfortable, but leaving your family without a plan is worse. Most people avoid it because the industry makes it feel complicated, expensive, and overwhelming.

Most people face three major anxieties:

The Financial Cliff: Worrying that if you were gone tomorrow, your family couldn't afford the mortgage, the car payments, or the life you’ve built together.
The Education Gap: Fearing that your children’s dreams for college would disappear without your income to support them.
The Policy Maze: Feeling confused by the difference between Term, Whole, and Universal life, and worrying you’ll buy the wrong one or overpay for things you don’t need.

You shouldn’t have to be a financial expert to ensure your family is safe.

We Help You Protect What Matters Most.

At SMA Insurance, we believe that life insurance isn't about death—it's about the people you love. For over 30 years, Steve Meleleu and our team have helped families in our community turn "what if" into "I’m covered."

As independent agents, we don’t work for the big insurance corporations—we work for you. We shop the most trusted carriers in the nation to find the perfect balance of coverage and cost, ensuring your plan fits your life, your budget, and your legacy.

Three Simple Steps to Worry-Free Boating

The Legacy Audit

We talk about your goals, your debts, and your family’s needs to find the exact "number" that secures their future.

The Custom Comparison

We shop our network of top-rated carriers to find the best policy—whether it's term, whole, or survivorship—at the best price.

Peace of Mind for Life

You sign the papers and get back to living your life, knowing that your family’s foundation is unbreakable.

Provide a Future. Secure a Legacy.

With the right Life Insurance shield, you stop worrying about the unknown and start living with confidence.

The Success: Imagine the peace of mind knowing that your spouse can stay in your family home, your children’s education is fully funded, and your final expenses are already handled. You’ve provided a gift of security that lasts for generations.
The Failure: Without a plan, your family could be forced to move, sell assets, or take on massive debt during their most difficult moments.

Tailored Solutions for Every Stage of Life:

Term Life Insurance: Affordable, straightforward protection for a set period (10, 20, or 30 years). Perfect for protecting young families and mortgages.
Whole Life Insurance: Permanent protection that builds cash value over time, providing a guaranteed death benefit and a tax-deferred savings component.
Universal Life: Flexible coverage that allows you to adjust your premiums and death benefits as your life changes.
Survivorship (Second-to-Die): A strategic tool for estate planning and protecting heirs or children with special needs.
Final Expense Insurance: Simple policies designed specifically to cover funeral and burial costs, so your family doesn't have to.

Don’t Wait for "Someday" to Protect Today.

The best time to secure your family's future was yesterday. The second best time is right now. Let’s build your shield.

What others are saying

"Insurance can be confusing, and these guys can break it down for you!"

"As a small business owner, I've used SMA Insurance Services for both my businesses and I would do so again in a heartbeat. Steve and Vic are fantastic at customizing a policy for your specific needs. They are great about explaining what types of coverage you need or don't need. Insurance options can be confusing, and these guys can break it down for you!"

- Becki B

"We were able to dramatically lower our monthly premium while enhancing our coverage."

"I can't recommend SMA Insurance enough! The team did a great job supporting our small business in our liability insurance and worker's comp needs. We were able to dramatically lower our monthly premium while enhancing our coverage."

- Katie F

"I have used SMA for auto, commercial, & residential coverage for more than 20 years."

"I have used SMA Insurance Agency for auto, commercial, & residential coverage for more than 20 years. At one point, I switched our personal auto coverage to a relatives new agency as a favor. They made a mistake on my wife's birthday causing a significant cost increase. I returned our auto coverage to SMA at a considerable savings and will be with his agency until we die."

- Kirk W

Meet the Team

Steve Meleleu

Steve founded SMA Insurance Services in 1998 to help people find clear, dependable insurance coverage that truly fits their needs. With over 30 years of experience, Steve is a trusted guide for both personal and commercial insurance.

Senior Executive - Consulting

Victor Lauersdorf

Vic's expertise in national security and logistics, honed over years of military service, now guides his approach to educating clients on insurance matters and navigating complex market landscapes.