Right Place

If you want the most appropriate life insurance for yourself, your family and your business, you’re in the right place.

Everywhere you look, it’s difficult to know who to trust, so we only work with the best independent marketing organizations, general agents, A.M. Best-rated insurance carriers and mentors in the industry. We’ll either put you in the right policy with the right carrier ourselves or refer you to someone else!

Ostensibly—of life, health, property and casualty—the most important form of insurance is life insurance. Life insurance is not generally mandated by law, but if you or your loved ones were to find yourselves without it following the loss of a major breadwinner, you would be in dire straits. However, less than one out of every three people in the United States today has an individual life insurance policy.

Buying a life insurance policy is like buying a pair of shoes or a suit. When it comes to insurance, one size does not fit all. Tailoring is everything!

You need an independent insurance broker who can help you find the right kind of policy from the right company rather than a captive insurance agent who can only sell you products from one carrier.

Life insurance is about love for your family. The love you have for your family is more important than anything else in the world. Can you say you love them without life insurance?

For most people, the most practical form of life insurance is term insurance, especially when you’re young and healthy, since it’s more affordable than whole life insurance. But if you own a business, whole life insurance may be the answer due to the cash value and policy loan possibilities whole life affords. In short, term is like renting the policy while whole life is like owning it.

How

One of the most daunting aspects of life insurance is procurement. Many people feel uncomfortable inviting people into their home or going to someone’s office. The nice thing about insurance today is that face-to-face interaction is less necessary. Most term, universal, whole life and simplified final expense insurance can be placed remotely with broker assistance.

First, we complete a health prescreen. Your health situation provides the information necessary to determine the most appropriate rate and coverage terms offered by dozens of top-rated life insurance carriers with which we have relationships. Only then will we guide you through the application process, minimizing the risk of your being declined and maximizing the likelihood of your approval.