About Us

Lawrence E. Smith & Associates, Inc. is an independent insurance agency and a certified, licensed Third Party Administrator. We have been exclusively dedicated to providing schools with innovative, cost effective student insurance options and solutions for the past 36 years.   Currently, more than 500 schools in 11 states implement programs administered by Lawrence E. Smith and Associates.


As a licensed Third Party Adminstrator, we are authorized by various insurance companies to process student insurance claims.  Our goal is to provide superior, courteous claim service that we believe is an integral part in helping us to maintain the retention, confidence and trust of our participating school customers.


As an independent agency, we are able to provide unbiased program choices from various premier insurance companies.  Some of the companies we represent include:

  • Mutual of Omaha
  • NationWide Insurance Co.
  • Aetna Insurance Co.
  • United Health Care
  • Reliance Standard Life
  • Zurich Insurance Co.
  • Frontier MEDEX
  • Markel Insurance Co.




Established in 1976 

Lawrence E. Smith and Associates will set a standard of excellence in the student insurance industry based on integrity and dedication to our customers.  We will constantly strive to be an innovative leader providing quality programs for our customers and a superior level of service, while operating a financially successful enterprise.



PLEASE Click Here!







Where to Find Us:

Lawrence E. Smith & Associates Inc.
1819 Clarkson Rd. Suite 300 
Chesterfield, MO 63017

Toll Free Phone:800-325-1350


Fax: 636-532-1737


Office Hours

Our General Office Hours are 

8:30am to 5pm CST

Monday through Friday