Property & Casualty
Coming soon
Independent Insurance Consulting
Premium insurance guidance for the moments that matter.
Led by Derek Spencer Lucas, Licensed Insurance Advisor · NPN 21251013
WULFDUCK helps individuals, families, and businesses across the country navigate health, supplemental, and life insurance with clarity, honesty, and long-term client care.
Insurance, Without The Runaround
- Independent & licensed advisor
- Active in 27 states
- NPN 21251013
Our network
Carriers we work with
What we cover
Coverage built around your life
Health Insurance
Private plans, Marketplace / ACA coverage, and group options tailored to your eligibility, network, and budget.
- Private health insurance
- Marketplace / ACA coverage
- Group coverage
Supplemental Coverage
Close the gaps your primary plan leaves behind with affordable, targeted protection — covering dental, vision, accident, and other everyday healthcare needs.
- Dental & vision
- Accident protection
- Gap / ancillary coverage
Life Insurance
Family-focused planning with straightforward policy comparisons and honest guidance.
- Term life comparisons
- Legacy & family protection
- Existing policy reviews
Soon
Medicare
Coming soon
Why WULFDUCK
Established standards. Personal attention.
Independent guidance
We work across major carriers so the recommendation fits you — not a sales quota.
Clear comparisons
Plain-language plan breakdowns that make deductibles, networks, and costs easy to compare.
Support beyond enrollment
Renewals, claims help, and carrier support are a part of the relationship — not an afterthought.
How it works
Three simple steps to better coverage
Step 01
Tell us your goals
Share your coverage needs, budget, and any must-have benefits in a quick conversation.
Step 02
Compare your options
We research plans across carriers and present a short, honest shortlist with pricing and networks.
Step 03
Enroll — and stay supported
We handle the details and stay available for questions, renewals, and plan reviews.
Client reviews
Trusted by clients nationwide
Google
“Derek made the whole process simple and stress-free. He found us better coverage at a lower rate than we had before.”
Google
“Clear plan comparisons with straightforward advice and no pressure. Highly recommend WULFDUCK.”
Facebook
“Professional guidance and responsive support throughout enrollment and policy updates. Feels like having an advocate on your side.”
Google
“They made a confusing decision feel simple — and followed up after we enrolled to make sure everything was good.”
Google
“Best insurance experience I've ever had. Derek actually listened and gave honest advice — no pushy sales.”
Facebook
“Saved us over $200/month on better coverage. The ongoing support is what really sets them apart.”
Google
“Knew exactly which questions to ask for our family, and explained every option in plain English.”
Facebook
“A genuinely refreshing experience — responsive, knowledgeable, and zero pressure from start to finish.”
Google
“Derek took the time to explain every option until I felt genuinely confident in the decision.”
Google
“Switched our whole family over after Derek found us better plans with lower premiums. Couldn't be happier.”
Facebook
“Answered every question before we even asked it. The level of personal attention is unmatched.”
Google
“Renewal season used to stress me out. WULFDUCK makes it effortless and always gets it right.”
Google
“Honest, fast, and knowledgeable. Derek treats you like a client who matters, not a number.”
Facebook
“We bundled our family coverage and finally feel like we understand what we're paying for.”
Google
“Every call was returned the same day, every question answered in plain English. Highly recommend.”
Google
“Derek made the whole process simple and stress-free. He found us better coverage at a lower rate than we had before.”
Google
“Clear plan comparisons with straightforward advice and no pressure. Highly recommend WULFDUCK.”
Facebook
“Professional guidance and responsive support throughout enrollment and policy updates. Feels like having an advocate on your side.”
Google
“They made a confusing decision feel simple — and followed up after we enrolled to make sure everything was good.”
Google
“Best insurance experience I've ever had. Derek actually listened and gave honest advice — no pushy sales.”
Facebook
“Saved us over $200/month on better coverage. The ongoing support is what really sets them apart.”
Google
“Knew exactly which questions to ask for our family, and explained every option in plain English.”
Facebook
“A genuinely refreshing experience — responsive, knowledgeable, and zero pressure from start to finish.”
Google
“Derek took the time to explain every option until I felt genuinely confident in the decision.”
Google
“Switched our whole family over after Derek found us better plans with lower premiums. Couldn't be happier.”
Facebook
“Answered every question before we even asked it. The level of personal attention is unmatched.”
Google
“Renewal season used to stress me out. WULFDUCK makes it effortless and always gets it right.”
Google
“Honest, fast, and knowledgeable. Derek treats you like a client who matters, not a number.”
Facebook
“We bundled our family coverage and finally feel like we understand what we're paying for.”
Google
“Every call was returned the same day, every question answered in plain English. Highly recommend.”
Client support
Already enrolled? Find your carrier support portal fast
Customer service numbers, payment portals, ID card help, and in-network provider search — organized for the carriers we work with and verified regularly.
Insurance, Without The Runaround
Ready when you are
Let’s find coverage that fits.
Book a consultation — you’ll get honest options, clear pricing, and an advisor who stays in your corner.
Insurance, Without The Runaround