Our Products and Coverages

 

We pride ourselves on both our sales process and service. Our goal is to make sure that you're only buying the coverage you need, that you get it from the right carrier, and that you understand why it's the best option for you.

Below each of the listings below is a link that will tell you a bit more about how we handle each type of product, and how we specialize coverage to meet an individual client's needs.

 

Annuities

This is a life insurance product that pays periodic income benefits for a specific period of time or over the course of the annuitant’s lifetime.

There are two basic types of annuities. Deferred annuities allow assets to grow tax deferred over time before being converted to payments to the annuitant. Immediate annuities allow payments to begin within about a year of purchase. 

Auto Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company.

You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Business owners (BOP)

This is insurance coverage that protects businesses from losses due to events that may occur during the normal course of business.

There are many types of insurance for businesses including coverage for property damage, legal liability, and employee-related risks.


Final expense

The average funeral costs $9,000. Final expense insurance is an insurance policy used to pay for burial expenses and funeral services when the named insured dies. Such a policy helps ease the financial burden placed on a family when a loved one dies.

funeral trust

With a funeral trust, you can deposit money in an interest-bearing trust account. When you die, the trust funds are disbursed to the funeral home, cemetery, or service provider that is designated as the primary beneficiary.

general liability

This is risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy.


Homeowner (flood) insurance

Nationwide, only 20% of American homes at risk for floods are covered by flood-specific insurance, which is left out of many homeowners policies.

Lack of flood insurance can be detrimental to many homeowners who may discover only after the damage has been done that their standard insurance policies do not cover flooding.

Homeowners insurance

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

life insurance

Life insurance is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person.

This protects family left behind from debts and loss of income.


medicare quote

Medicare is the federal government program that provides health care coverage if you are 65 or older, under 65 and receive Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and have End-Stage Renal Disease (ESRD).

renters insurance

Renters Insurance provides liability insurance and the tenant's personal property is covered against named perils such as fire, theft, and vandalism. It also pays expenses when the dwelling becomes uninhabitable.

umbrella

This is a type of "extra" insurance policy designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.

Need more than one type of coverage? Not sure where to start?