Personal Lines Insurance
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Download our personal lines questionnaire to send us your information and receive a quote.
Life Insurance has evolved over the years. Most of the life insurance policies we recommend are guaranteed level term premium policies that last for an extended term, such as 30 years. Life Insurance today is priced affordably for most any budget. If you are starting a family, or if you simply want to protect your spouse, or business partner, we hope you will contact us today to learn more about the benefits of a basic life insurance plan.
Disability Insurance is a topic we do not discuss often enough. It's a poor assumption that we will always be healthy enough to go into work and do the things we do to earn the income we make. Ask yourself, "could I survive without my paycheck?" The answer is almost certainly a resounding "NO." Disability Insurance guarantees a portion of your income in the event of sickness or injury, so that financially you can continue to live a normal life no matter your condition.
Long-term Care Insurance
Would it be too straightforward for us to say, "Trust us, if you can afford this coverage and are nearing retirement age, you should get it?" Long-term care insurance provides stipends for trained caregivers when you can no longer meet at least two activities of daily living to adequately care for yourself. The cost of hiring qualified in-home care is expensive, but this insurance stands in place to pay for your care once it is needed.
Owning a long-term care plan alleviates the burden on family members to care for you in the event of your need. According to the AARP, the lifetime probability of becoming disabled in at least two activities of daily living or of being cognitively impaired is 68% for people age 65 and older [ AARP. Beyond 50.2003: A Report to the Nation on Independent Living and Disability, 2003, (11 Jan 2005)].
Home and Auto Insurance
We offer home and auto insurance policies from top flight companies including MetLife, Nationwide, Progressive, and Travelers Insurance. As your broker, we shop the market for you and recommend the coverage package which makes the most sense.
Dwelling Fire Insurance
Rental properties that house less than four units are known as "Dwelling Fire" policies. These policies protect your rental home or condominum from property and liability losses. In unison with our expertise on commercial real estate insurance, we are experts at insuring residential investment properties (1-4 units).
The Affordable Care Act succeeded in making health insurance more widely available, which is a great thing. While the jury is still out on whether or not the coverage will ever be considered "affordable" by most persons and employers, we nevertheless appreciate that any person can now qualify for a health insurance policy without underwriting limitation.
The open enrollment period lasts only until February 15th, at least in 2015. If you are considering an individual health insurance plan, you will need to apply before February 15th, or otherwise you must meet a qualifying event such as loss of employer benefits in order to obtain the insurance you need mid-year.
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