What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Charles Browning Insurance Agency

Home
United States
Edmond, OK
Charles Browning Insurance Agency

Call Directions Website Contact the business

Insurance Agency Serving the Edmond, OK area since 2021, I can help you understand your coverage options so you can protect what matters most to you.

Whether you're looking for homeowners insurance, auto insurance, renters insurance, or another kind, I'm here to help you understand the insurance coverage you may want. Stop by in person, reach out online or call to get a free quote today.

09/21/2026

It was a great day on the course supporting an even greater cause! ⛳️💛

We had a wonderful time playing in the K Club Golf Tournament at Quail Creek Country Club and supporting the incredible work K Club does for children and families facing childhood cancer.

September is Childhood Cancer Awareness Month, making this tournament especially meaningful. 💛 Grateful to support an organization that comes alongside children and their families during such a difficult time and helps make their journey a little easier.

Not to mention, it’s always a great day when we get to hang out with our clients, colleagues, and friends at Wh***ey Cabinet Oklahoma and Forrester Brothers Roofing!

08/03/2026

Fun fact you might not know about us — we're a Farmers agency, but we actually have access to 80+ carriers these days, for personal and commercial insurance. Liberty Mutual, Mercury, Progressive, Travelers, National General, Homeowners of America... the list keeps growing. So next time you're shopping your home, auto, or business insurance, just call us first — we can probably compare it for you without you lifting a finger. 🙌

405-340-4998

07/21/2026

🕯️ Rounding out our life insurance series with a policy built for peace of mind: FINAL EXPENSE INSURANCE (also called graded death benefit or guaranteed issue life insurance).

This one is designed to cover the costs that add up quickly when someone passes — funeral costs, medical bills, or other final expenses — without burdening family members.

✅ Smaller coverage amounts, typically $5,000–$25,000
✅ No medical exam — approval is usually based on a few health questions, or guaranteed regardless of health
✅ Fixed premiums that never increase, coverage that never expires
✅ Easier to qualify for than traditional life insurance, even with health conditions

One important detail: many of these policies have a graded death benefit period, usually the first 2 years. If death occurs from natural causes during that window, beneficiaries typically receive a return of premiums paid plus interest rather than the full face amount — accidental death is usually covered in full from day one. After the graded period, the full benefit applies to any cause of death.

It's a great option for seniors or anyone who was declined for traditional coverage and wants to make sure final expenses aren't left to their family. Want to see if you qualify? Send us a message. 👇

07/16/2026

🏦 Continuing our life insurance series with the original permanent policy: WHOLE LIFE INSURANCE.

Whole life is about certainty. Here's what that means:

✅ Coverage lasts your entire life — as long as premiums are paid, it never expires
✅ Premiums are fixed — they never go up, no matter your age or health changes
✅ Cash value grows at a guaranteed rate, set by the insurance company
✅ Some policies pay dividends, which can boost cash value or even reduce premiums over time
✅ The death benefit is guaranteed, as long as premiums are current

The trade-off for all that guarantee? Premiums are higher than term life for the same death benefit. But for people who want a policy that never changes, builds guaranteed value, and doubles as an estate planning tool, whole life is hard to beat.

Not sure if term, whole life, or something in between fits your situation best? That's exactly what we're here for — send us a message. 👇

07/14/2026

📈 Next up in our life insurance series: INDEXED UNIVERSAL LIFE (IUL) — the one that surprises people the most.

IUL is permanent life insurance (no expiration date) with a built-in savings component. Here's the interesting part:

✅ Part of your premium builds cash value that's linked to a stock market index (like the S&P 500)
✅ When the market goes up, your cash value can grow along with it — up to a cap
✅ When the market drops, you're protected by a floor (often 0%) — so you don't lose value from market downturns
✅ Premiums and death benefit can flex over time as your needs change
✅ Cash value grows tax-deferred, and you can borrow against it later in life

It's not a stock market investment — it's insurance with market-linked growth potential and downside protection built in. That combination is exactly why it's become popular for retirement supplementation and estate planning.

Want to see how the numbers could work for you? Send us a message and we'll walk through it. 👇

07/09/2026

💰 Continuing our life insurance series — today's topic sounds almost too good to be true: RETURN OF PREMIUM (ROP) TERM LIFE.

Here's the twist on regular term life:

✅ Same setup — you pick a term (10, 20, or 30 years) and get full coverage the whole time
✅ If you pass away during the term, your beneficiaries get the full tax-free death benefit — just like standard term
✅ But if you OUTLIVE the term — you get up to 90% of your money back. Tax-free.

Basically — you either protect your family, or you get most of your money back. There's no real "losing" scenario.

The trade-off? Premiums run higher than standard term since you're funding that refund. But for people who want life insurance without feeling like they're "throwing money away" if nothing happens, ROP term is worth a look.

Want to see what ROP term would cost for your coverage amount? Send us a message. 👇

07/07/2026

🛡️ Let's kick off a new series — LIFE INSURANCE, explained simply. First up: TERM LIFE INSURANCE.

Think of term life as the "straightforward" option. Here's how it works:

✅ You pick a term — usually 10, 20, or 30 years
✅ You pay a fixed premium for that whole term
✅ If something happens to you during the term, your beneficiaries get a tax-free payout
✅ It's typically the most affordable type of life insurance you can buy

What it DOESN'T do — it doesn't build cash value, and coverage ends when the term ends (unless you renew or convert it).

Who's it great for? Parents with young kids, anyone with a mortgage, or anyone who just wants maximum protection for the lowest cost while their family needs it most.

Questions about how much coverage makes sense for your situation? Send us a message — happy to walk you through it. 👇

07/04/2026

🇺🇸 Happy 4th of July! We had a wonderful time watching the LibertyFest Parade this morning from our office and celebrating with our amazing community.

We hope you and your family have a fun, safe, and memorable Independence Day weekend! ❤️🤍💙

If you’re shopping for better coverage or have questions about your current policy, we’re here to help. Give us a call for all your insurance needs. We’ll see you on Monday!

06/20/2026

🗺️ Did you know your auto insurance requirements — and how claims are handled — can change depending on which state you're in? If you live near a state line or drive across borders regularly, this one's for you.

OKLAHOMA vs. TEXAS vs. ARKANSAS

All three are at-fault states, meaning the driver who causes the accident is responsible for damages. But the details differ.

🔵 OKLAHOMA
Minimum required: 25/50/25
• UM/UIM coverage is offered but not required — though we strongly recommend it. Oklahoma has one of the highest rates of uninsured drivers in the country.
• PIP is not required but can be added.

🔴 TEXAS
Minimum required: 30/60/25
• PIP coverage of at least $2,500 is automatically included unless you opt out in writing.
• UM/UIM is offered but not required.
• Texas tends to have higher minimum requirements than Oklahoma.

🟢 ARKANSAS
Minimum required: 25/50/25
• UM/UIM coverage must be offered by your insurer, but you can decline it in writing.
• Arkansas also follows a "fault" system, but has specific rules around comparative fault that can affect how a claim pays out if both drivers share blame.

⚠️ Important: Your policy is typically based on the state where your vehicle is registered — but if you're involved in an accident in another state, that state's laws may come into play.

Driving across state lines regularly or recently moved? 👉 Let's make sure your coverage travels with you. Send us a message!

06/18/2026

🚨 "I have full coverage" — we hear this all the time. And it's one of the most misunderstood phrases in the insurance world.

Here's the truth: THERE IS NO SUCH THING AS "FULL COVERAGE."

It's not a real insurance term. No policy covers everything. "Full coverage" is just a phrase people use — usually to mean they have more than just the state minimum liability. But what's actually included varies widely from policy to policy.

When most people say "full coverage," they typically mean:
• Liability (required by law)
• Collision (covers your car in an accident)
• Comprehensive (covers theft, hail, weather, animals)

But even with all three, there are still gaps. "Full coverage" typically does NOT include:
❌ Uninsured/underinsured motorist protection
❌ Rental car reimbursement
❌ Roadside assistance
❌ Gap insurance (if you owe more than your car is worth)
❌ MedPay or PIP for your own medical bills

📌 Here's what we tell our clients:
Don't ask if you have "full coverage." Ask what your policy actually covers — and what it doesn't.

The gaps are where people get hurt financially. And by the time you find out about them, it's usually after something has already gone wrong.

❓ Want to know exactly what your auto policy covers? 👉 Send us a message — we'll walk through it with you line by line!

Address

20 E Ayers Street
Edmond, OK
73034

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+14053404998

Website

https://www.facebook.com/102496382231637

Alerts

Be the first to know and let us send you an email when Charles Browning Insurance Agency posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Charles Browning Insurance Agency:

Want your business to be the top-listed finance company in Edmond?