Tracy J. Thomas-Bell

Experienced Independent Insurance Professional
Serving Missouri and Illinois for over 30 years.

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Supreme Service with a Heart

I like to be with my clients from the cradle to the grave. My goal is to stay with you from the onset of our insurance relationship until one of us is no longer here, then assisting your beneficiaries with any questions or concerns regarding your loved one's policy.

The most important thing to me about insurance is to educate my clients to make an informed decision for their particular situation only. I would rather a person have a $5,000 policy that they can comfortably afford than a $25,000 policy they cannot afford and then lapse with no coverage.

Why Choose Independent?

As an independent agent in the Greater Saint Louis region, I don't work for one insurance company—I work for you. I shop multiple carriers to find the coverage that fits your budget and your life.

  • Life Insurance (Term & Whole)
  • Supplemental Health
  • Final Expense Protection
  • Licensed in MO & IL

Trusted by Families in MO & IL

"I had no understanding of just how life insurance worked so Tracy explained it to me. She was patient and thorough. I would recommend her to anyone." — R. Hamilton Sr., St. Charles, Missouri
"Her loyalty and integrity is like no other. She goes out of her way to think of everything so that her clients don’t have to." — T. Jones, St. Louis, Missouri

Always be prepared for the inevitable.

We don't know when, where, or how, but rest assured it's coming. Let's make a promise to get covered and never leave that burden on your family members.

Tracy J. Thomas-Bell
Call 314-616-6781