Annuity & Retirement Income Planning in Chillicothe, Ohio

Turn Your Retirement Savings Into Reliable, Predictable Income, Without Market Risk.

Retirement isn’t about taking big risks anymore. It’s about making sure what you’ve worked hard for lasts.

At The Lunsford Agency, we work with individuals and couples across Ohio who want more certainty in their retirement plan. We specialize in fixed and indexed annuities that are designed to protect your principal, provide steady growth, and create income you can count on for the rest of your life.

If you’re nearing retirement, or already there, we’re here to help you make thoughtful, informed decisions about your future.

Planning for Retirement Income?

As you get closer to retirement, the questions start to change. It’s no longer about growing as fast as possible. It’s about protecting what you’ve built and making sure your income lasts as long as you do. We help individuals and couples throughout Ohio explore fixed and indexed annuities that can provide steady, dependable income, without exposing your life savings to unnecessary market risk. Our goal is simple: help you feel confident about the paycheck you’ll rely on in retirement.

What About Life Insurance?

Life insurance still plays an important role in many retirement plans. Whether you’re looking to cover final expenses, leave something behind for your family, or protect a spouse, we’ll walk you through your options in plain language. We don’t believe in one-size-fits-all solutions. We take the time to understand your situation and recommend coverage that makes sense for your stage of life.

Retirement-Focused Financial Guidance You Can Trust

Whether you’re planning ahead or already retired, Scott is here to help you protect what you’ve built and create income you can depend on.

Our Services

Retirement Income & Annuities

Retirement should come with clarity, not uncertainty. We specialize in fixed and indexed annuities designed to provide reliable income, protect your principal, and help ensure your savings last.

Financial Planning

Every retirement plan is personal. We take the time to understand your goals, your concerns, and your timeline, then build a strategy that aligns with your comfort level. It’s thoughtful planning built around your life, not a generic formula.

Medicare Insurance

Medicare can feel overwhelming. We help you understand your options and choose coverage that fits your healthcare needs and budget, so you can move into retirement with confidence.

LTC Insurance

Long-term care is something many families don’t plan for, until they have to. We’ll help you explore coverage options that protect your savings and reduce the financial burden on loved ones if extended care is ever needed.

Life Insurance

Life insurance isn’t one-size-fits-all. Whether it’s final expense coverage or leaving a legacy for your family, we’ll walk you through your options clearly and simply, so you can make decisions with peace of mind.

Additional Financial Services

Retirement planning often involves more than one piece. If you have questions about 401(k) rollovers, income strategies, or protecting assets, we’re here to guide you through the details and help you move forward confidently.

      EXCELLENT  
   Based on 43 reviews 
    
 
 
 
   
 
 
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   Nathan Ward 
 
 
 
 Trustindex verifies that the original source of the review is Google. Scott is very knowledgeable about various financial plans and explains them very thoroughly.  He provided me with information about multiple types of plans I could convert my current investments into.  He walked me through the plans and was able to answer every question I had.  He is easy to get in touch with and will provide suggestions if you ask.
  
 
      Posted on Google  
   
   Dean neff 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very experienced expert on insurance and retirement planning. My experience ended in confidence in knowing that my financial future was in good hands. Highly recommend this gentleman.
  
 
      Posted on Google  
   
   Riley Houser 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very helpful and always has patience with all my questions!
  
 
      Posted on Google  
   
   Joseph Hall 
 
 
 
 Trustindex verifies that the original source of the review is Google. My sister recommended Lunsford Insurance to us.  From our first conversation many years ago I felt at ease with selecting a long term financial advisor.  Scott Lunsford listens to each person’s unique circumstances, concerns and expectations.  I trust his research, connections and recommendations to obtain the best rate and terms that work best for us. Scott is very knowledgeable, professional and friendly while making investment decisions as simple as you want them, but keeping investment safety and return top priorities. Although we live quite a distance from his office, he makes it almost as easy as being next door.
  
 
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   Rod Rhymer 
 
 
 
 Trustindex verifies that the original source of the review is Google. Scott has been very helpful in listening to what I want and offering product I am interested in. Very easy to work with; always quick to return calls, answer questions, and offer suggestions when asked. Good guy!
  
 
      Posted on Google  
   
   Troy Thomas 
 
 
 
 Trustindex verifies that the original source of the review is Google. Scott listens carefully to your needs and offers different ideas for success.  Very knowledgeable of all Insurance products.
  
 
      Posted on Google  
   
   Obadiah Harris 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have been the vast recipient of the Financial experience, expertise and constant Availability of Mr. Scott Lunsford! The Harris Family is now 3 generations deep in his wise economic counsel! I highly recommend “Great Scott” as Mr Availability! 👏🏾👏🏾👏🏾👏🏾 Sincerely Bishop Obadiah E. Harris LUJC Chillicothe Ohio
  
 
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   Scott Montgomery 
 
 
 
 Trustindex verifies that the original source of the review is Google. By far the best advise I received by numerous financial advisors I spoke with. SCOTT walked me through and explained every concern I had about my particular interest at hand and handled everything with me on the phone . I couldn't have done it on my own.   He was easy to talk to and really listened to my best interest. I would recommend Scott to anyone with financial advise about investing money exactly where you want to go. Again I can't thank him enough for everything he done for me.
  
 
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   Jill Cory-Smith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Scott is a great financial/ insurance advisor/agent!! Very honest and trustworthy! He is a live long resident of Chillicothe an a great person to work with and get to know!!

Let’s Build a Retirement Plan You Feel Good About

Retirement planning isn’t just about numbers, it’s about peace of mind.

Whether you’re exploring annuities for steady income, reviewing your life insurance coverage, or planning for final expenses, we’re here to help you make thoughtful decisions that protect both you and your family.

We work with trusted insurance carriers to provide options that are straightforward, dependable, and designed around your needs, not a one-size-fits-all solution.

Schedule a conversation today and let’s talk about what matters most to you.

Feel Confident About the Years Ahead

Retirement should feel steady, not uncertain.

At Lunsford Insurance, we help individuals and couples create dependable retirement income through carefully structured annuities, while also making sure their families are protected with the right life insurance coverage.

Whether you’re planning for income you can’t outlive, reviewing your current policies, or thinking about the legacy you want to leave behind, we’re here to walk you through it, clearly and without pressure.

Your future deserves thoughtful planning. And you don’t have to navigate it alone.

A Retirement-Focused Advisor You Can Rely On

Planning for retirement is personal and so is the guidance you deserve.

As a licensed insurance professional, I’ve built my practice around helping individuals and couples make thoughtful decisions about retirement income, annuities, and long-term protection.

My approach is simple: listen first, explain clearly, and recommend solutions that fit your goals, not a sales quota.

No-Pressure Conversations

Every consultation starts with a conversation.

We’ll talk about your retirement timeline, your concerns, and what financial security means to you. Whether we meet in person or over the phone, the goal is to provide clarity, not overwhelm you with jargon.

There’s no obligation and no pressure. Just honest guidance to help you move forward confidently.

Solutions Built Around Your Needs

While annuities and retirement income planning are a primary focus, we also help clients with:

• Life insurance
• Medicare coverage
• Long-term care planning
• 401(k) rollovers and IRA strategies

Retirement planning isn’t one-size-fits-all. I’ll explore the options together and build a plan that protects both your income and your family.