Sparrow Legacy Group Insurance & Legacy Planning
Licensed Independent Agent

Hi, I'm Erica.
I help families make sure no one they love is ever left with a burden.

I founded Sparrow Legacy Group to do insurance the way it should be done: one family at a time, in plain English, over the phone — with no pressure and no scare tactics. Life insurance, final expense, mortgage protection, and retirement solutions, from someone who actually picks up when you call.

Talk With Me — It's Free Why I Do This
Erica, founder of Sparrow Legacy Group
Erica StarkeyFounder, Sparrow Legacy Group
Fully licensed — NPN 20778099, verify my license here
Everything by phone — no stranger at your kitchen table
Independent — I shop multiple carriers so you don't overpay
Why I Do This

This work is personal for me

I didn't get into insurance for the insurance. I got into it because I've stood exactly where the families I serve are standing — on the worst day of my life.

When my husband passed away, we believed he was covered. He wasn't — the policy he thought he had never paid out. I was suddenly a widow with a three-year-old, a brand-new house, and no safety net.

Losing him was devastating enough. The financial devastation that followed didn't have to happen — and that's the part I can't let go of. It's why I read every policy like my own family depends on it. When I tell you your coverage is real and it will pay, it's because I've lived what happens when it doesn't.

Why "Sparrow"?

The sparrow is one of the smallest birds there is — but it never stops providing for its own.

That's who I serve: hardworking people who may not have millions, but who love their families enough to make sure they're never left with a burden. You don't need to be wealthy to leave a legacy. You just need a plan.

— Erica

How I Help

Coverage for every stage of life

Whether you're protecting a young family, paying off a home, or planning your final wishes, I'll help you find what actually fits — your health, your budget, your goals.

Life Insurance

Term and whole life policies that replace income, cover debts, and give your family financial breathing room when it matters most.

Mortgage Protection

Coverage designed to pay off or pay down your home loan, so your family keeps the house no matter what happens.

Final Expense

Simple, affordable whole life coverage that handles funeral costs and final bills — most plans require no medical exam.

Annuities & Retirement

Safe-money strategies that protect your savings from market losses and turn your nest egg into dependable lifetime income.

Indexed Universal Life (IUL)

Flexible, permanent life insurance that can build cash value linked to a market index — with protection from market downturns. I'll walk you through exactly how it works, including the fine print.

My Promise to You

What working with me actually looks like

  • I'll tell you the truth, even when it costs me the sale.

    If you don't need coverage, or a policy you already have is good, I'll say so. My reputation outlives any commission.

  • You'll never feel rushed or pressured.

    Most calls take under 30 minutes. If you need to think it over or talk to your kids first, good — you should.

  • I'm your agent after the sale, not just before it.

    Beneficiary change? Billing question? A claim, someday? You call me — not an 800 number — and I handle it.

  • Plain English, always.

    You'll understand exactly what you're buying, what it costs, and what it pays — before you sign anything.

How It Works

Three simple steps

01

We talk

A short, friendly phone call about your situation, your health, and what you want to protect. No home visit, no obligation.

02

I shop for you

I compare multiple carriers and show you real numbers side by side. You pick — or you walk away. Either is fine.

03

You're protected

Most policies are approved quickly — often the same week. And from then on, I'm your agent for life.

Get In Touch

Let's talk about your family

Call, text, or email me directly — you'll get me, Erica, not a call center. I work with families in multiple states, all by phone, so it doesn't matter where you live.

Prefer to pick a time?

Grab a spot on my calendar and I'll call you — a real conversation, not a sales pitch. If I'm not the right fit, I'll tell you and point you in the right direction.

Schedule a Call With Erica

Or just call or text: (330) 592-0094