Our goal is to provide personal
service. We want to get to know you as a person and what you need for peace of mind. Our commitment to you does
not end after the policy is placed. It will keep going to keep you satisfied, saving money, and properly insured.
What Our Different
Policies Mean For You.....
Personal Life Insurance: this coverage is needed so that families are protected in the
event of a death of someone who’s income is needed for mortgage payments or other debt.
Disability Income Insurance: this coverage is needed so that families are protected in the event of a disability of someone who’s
income is needed for mortgage payments or other debt.
Personal Auto Insurance: this covers a persons auto in the event of a loss due to anything (or the other person’s
auto if insured is at fault). There are many different companies that sell this type of insurance, but
not all companies handle claims and premium rates the same.
Personal Home Insurance: this covers a person’s home and personal property if anything would happen to
it. There are many compnaies that sell this type of insurance, but not all cover everything in the event
of a loss.
Commercial / Business Insurance: just
like home and auto insurance, this insurance would cover a business and its property. It also would protect
if someone sued the company for any reason. Business Liability is one of the most important pieces of insurance
Buy-Sell Insurance: Any
business with more than one owner is likely to establish a formal ownership transfer plan in the event of one's death.
Buy-Sell agreements need funding to make it work and life insurance is the most common method of such.
Key Person Insurance: Every business has at least one person who is the key profit maker. Companies
often protect themselves against loss of income from the fruits of the key person's labor by insuring his or her life.
Split-Dollar Insurance: is a way for a corporation to pay for an owner's personal life insurance.
The corporation is in a loss proof position. The employee/owner has a small cost. There
are many variations available.
Individual or Group Health Insurance: this insurance no one wants to think about, but is so important. With
all the new government rules, is your policy up to speed or are you paying way too much? There are so many
plans out there most people don’t know what they are paying for. Just reviewing this type of insurance
could save thousands of dollars per year for a business or individual.