Find the Best Plans

Competition = Lower Costs

The insurance industry includes hundreds of different companies hoping to earn your business. It is a very competitive market and it pays to shop around for the very best deals. This is where we come in.

Whether you´re searching for Life Insurance, Annuities, IRA´s and other retirement strategies, Health Insurance or ´ObamaCare´, you must be well-informed and well-advised to get the most out of your premium dollars. An experienced and independent agent who represents multiple insurance carriers can make a huge difference in what you pay for coverage.

Life Insurance

Providing all types of life insurance for you or your family members. Get "peace of mind", in knowing that the death of the insured person will not result in financial hardship for loved ones and lenders. We specialize in Term Life Insurance and Whole Life Insurance. Term Life Insurance assurance provides life insurance coverage for a specified term. Universal and Whole life insurance provides lifetime death benefit coverage and cash value accumulation. 

Disability Insurance

Disability income insurance helps to protect a portion of your income and protects you financially should you become disabled for an extended period of time.  Protect Your Greatest Asset, Your Paycheck! We Offer Individual/Group/Buy-Sell, Own-Occ, Benefits till age 65! Statistics show that in the US a disabling accident occurs on average once every second.* In fact, Nearly 18.5% of Americans are currently living with a Disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.**

*^ "Disability Statistics" 
 (PDF). National Treasury Employees Union - Chapter 78. March 12, 2009.
**^ http://www.disabilityinsurance.org/articles/disability-insurance-infographic.html

Fixed & Indexed Annuities

Are you looking for a place to get steady, guaranteed interest rates? We offer great fixed and indexed annuity products from various top rated insurance companies. Fixed Annuities are insurance products which protect against the risk of outliving your income. They are insured by licensed & regulated insurance companies, much the same as your home, auto or health is insured. And just like your home, auto and health insurance, they are backed 100% by the insurance company up to stated policy limits (which may be higher than FDIC). There are two types of fixed annuities: traditional fixed and indexed annuities. Fixed & Indexed Annuities which are essentially CD-like investments issued by insurance companies. 

Medicare Insurance

Medicare by itself has a high deductible for hospital admission, and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. A Medicare Supplement policy covers all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. Let us guide you insorting through the numerous Medicare options. We can also help you in choosing a Medicare prescription plan that includes your specific medications.

Individual and Group Health Insurance

Nearly everybody is confused about their healthcare options - and rightly so. You can´t rely on politicians or media reports for a clear and unbiased explanation. You want the facts, not opinions. We´d be happy to evaluate your current coverage and present you with side-by side comparisons of alternatives.

Long-Term Care and Final Expense Insurance

Long-Term Care Insurance gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.

Your family will always come first. You wouldn`t want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it`s absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs. Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.

Why Should I Call This Agency for Insurance?

Good question. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another. But we are decidedly different.

Let´s face it, insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agents we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns.

We promise to focus our attention on your benefit exclusively.

Please don´t hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. There will never be a charge for our assistance or for a friendly, no-obligation chat.