Considering Purchasing Life Insurance? This Site is for You!
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. This site is designed just for you, to allow you to browse around and take a look at all of the insurance products you could ever imagine. If you are anything like me, you want to have time to consider the possibilities and not be rushed into making a hasty decision. Take your time, complete some of the Quote Engines to get the best bang for your buck. All of the biggies are right here and we are ready and able to answer any questions you have.
No matter which product you are looking for you should 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. I sat in the home of a family that was in the process of shopping for life insurance not too long ago. The husband asked, "why should we go with you without first checking online to see if we can find better rates?" The obvious answers came to mind but it was a very good question because I represented only one company. We had great policies but not the ability to instantly compare with other companies. I am no longer faced with that dilemma. If we are not able to satisfy your needs here, your needs can't be satisfied. It's all, right here!
How Much Insurance Do I need?
You can easily answer that question with a little help from our calculators. Don't worry, the final decision is always yours. When purchasing life insurance, the question really isn't how much you need, but how much capital your family will need at the time of your death, which depends on two variables:
1) How much will be needed at death to meet immediate obligations?
This amount takes into account all final expenses: uncovered medical bills, funeral and estate-settling costs, outstanding debts, mortgage balance, and college costs to name a few.
2) How much future income is needed to sustain the household?
This is the number you’ll arrive at after calculating the “present value” of cash-flow streams your family will need after your death.
Here, we're providing a calculator to help you with that.
To get instant quotes, complete and click on the Life Insurance Quote Engine above or for a Medicare Supplement Quote go down the page and complete and click on that engine. You will find then receive quotes from a number of insurers designed just for you.
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.
Why Should I Call This Agency for Insurance?
Good question. There are a lot of insurance agents out there and it may seem like an 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.