|
|
Welcome |
|
|
We hope you will visit our website often for insurance updates you can really use, written in language you can understand. Whether you are making insurance decisions for yourself, your family or you manage benefits for a business, each month we will discuss topics that will help both our individual and business clients learn how to more effectively shop for insurance and annuities, better understand the insurance products you already have and make your overall portfolio work better for you.
For families and individuals, future issues will address frequently asked questions, such as: How can I maximize my health insurance benefits? As a senior, which Medicare supplement is best for me? Is there a simple way for me to figure out how much life insurance my family really needs? How soon is too soon to buy long-term care insurance? Can I benefit from annuities in today's market?
For our business clients, future issues will bring you ideas to enhance your company benefits programs, such as: How can you give your valuable employees access to big company benefits without the big company price tag? Should we consider self-funding? What are the advantages of starting a simplified retirement plan? Are voluntary benefits right for our company? How do we shop for the best group benefits without having to be an insurance "expert"?
Our Product Overview links will give you lots of simple to read information on many of the products our agency offers and will answer many of your questions. We believe the better educated our clients are about the choices they have, the more satisfied they will be with the work we do. Unlike what some financial magazines and TV talk shows espouse, we do not think there is just one “right” insurance solution that works for everyone. Your family and your business is unique, and so are your insurance needs.
So, we sit down with our clients, listen to them, discuss their options and help them select what is best for them. We devote as much time as it takes to be sure that we match our clients with the products which best meet their goals. As service and claim questions arise, we handle your issues personally. We have chosen to keep our agency small so we can serve you the way we like to be cared for, face-to-face, "one client at a time". Your family, your finances, your business and your goals are not static. Just as they change over time, so too should your insurance portfolio grow with you. As change happens, we will be there. Unlike organizations that sell over the phone, TV or internet, we hope to establish a relationship that lasts a lifetime.
Did you know that there are over 1500 insurance companies in the United States? Although we have access to almost any carrier, we choose to represent only those companies which have earned "very good" and "excellent" ratings from the independent rating agencies. These are the companies that are best equipped to remain strong because they have been judged to have sufficient financial reserves to cover their future liabilities. They are the companies which will be there for the long haul. No matter what coverage you seek, we will show you a range of pricing from only quality carriers, so you know the product you select is safe, competitive and fair.
Because of all the commercials on TV, radio and internet advertising "cheap" insurance, many people do not realize that there are no "deals" in the insurance business. All individual life, health & small group products and rates are filed with the state insurance office where you live and work. So, whether you purchase your life or health insurance over the phone or internet from a huge marketing company or through an independent agent who sits at the table with you, the price is the same. In other words, you can talk to a stranger over the phone who will "take your order", or you can sit down with your personal advocate. Our agency serves those who prefer the latter.
For our larger group clients, long-term relationships definitely do matter--our relationship with you as well as our relationships with insurance companies. As your authorized representative, we have access to the most up-to-date claims data on your group, we know your service issues, we know your employees and we understand your corporate climate. We consult with both you and your carriers throughout the year so when renewal time comes, you will know if the offer is fair. When it is appropriate to go to the "marketplace" to obtain competitive quotes on your behalf, we will be sure you are in a position of strength because we will negotiate the best possible benefits, rates and financial contracts for you. When a change in plan is needed, we will see you through the contracting process, help educate your employees and oversee the inevitable transition issues.
We hope you will find the information in our website helpful and, when you are ready, we look forward to working with you. Please feel free to visit us often. If you have questions, feedback or if there is some way we can be of service to you, your family or your business, we welcome you to contact us.
|
