Our Services

We offer several important services for our clients in regards to planning for their future as well as many "Value Added" services. As an Independent Agency, we can use an array of different companies to devise a plan using the best products available to you. We will take the time to sit down with you on a one on one basis.  We can help you determine what products and services will best suit your needs and budget. The most important services include (not all services listed):

• NEEDS ANALYSIS
• MORTGAGE PROTECTION
• FINANCIAL SERVICES
• FINAL EXPENSES
• OVERVIEW OF MEDICARE
• MEDICARE PART A
• MEDICARE PART B
• MEDICARE PART C ADVANTAGE PLANS
• MEDICARE PART D PRESCRIPTION DRUG PLANS
• ACCIDENTAL DEATH PROTECTION
• RETIREMENT PLANNING
• CRITICAL ILLNESS PROTECTION
• RETURN OF PREMIUM TERM LIFE

NEEDS ANALYSIS
It is crucial to know how much money your loved ones would require to pay the bills in the event of your passing, or in case you suffer from a critical illness, or disability. We will help you to figure out just how much protection you need to ensure that the money is there when you need it for such things as: final expenses, funerals, house payments, children's education, retirement, bills, etc, and work with you to make sure that everything is covered at a price that is within your budget!

MORTGAGE PROTECTION
Your home is one of your and your family's biggest investments. It makes sense to protect it with the best coverage available. We will provide you with a combination of high quality protection, superior customer service, and the comfort of knowing that, should anything ever happen to you (i.e. death, critical illness, or disability), you and your loved ones will be protected and we will be there to help them.

FINANCIAL SERVICES
Planning for your future financial requirements is important. We are ready to work with you in order to help determine all of your needs, including: retirement planning, education funding, pension plans, Individual Retirement Accounts, as well as annuities.

FINAL EXPENSES
Now let's be honest, you will purchase Final Expense coverage not for yourself, but to take the "Financial Burden" off of your loved ones. Also, all benefits are "Income Tax Free", and can go to any beneficiary that you select. Nursing Homes, Hospitals, and other creditors cannot go after your beneficiary's benefits.

OVERVIEW OF MEDICARE                                                                                                                                                                                                                                                                                                                                                                                        Medicare is a federal health insurance program designed for people who are 65 and older and for people with certain disabilities.  There are four parts of Medicare (Part A, Part B, Part C, and Part D) which provide certain medical and prescription drug coverage.

MEDICARE PART A
See our Medicare Page

MEDICARE PART B
See our Medicare Page

MEDICARE PART C ADVANTAGE PLANS
See our Medicare Page

MEDICARE PART D PRESCRIPTION DRUG PLANS
See our Medicare Page

ACCIDENTAL DEATH PROTECTION
Accidents are the 4th leading cause of death, and the #1 cause of death for people under the age of 55. Accidental death protection is especially important for younger people (persons under 55) and people that work in hazardous jobs (i.e. Firemen, Policemen) or have dangerous hobbies (i.e. ATVing, Hunting).  

RETURN OF PREMIUM TERM LIFE
See our Return of Premium Term Life Page

Some of our "Value Added" services include:

We are dedicated to you and are committed to treating you as a person, not a policy. This commitment means we shall:

• Work with you to identify the insurance and financial services that are right for you, your family or your business, and use our access to multiple companies to deliver those products.
• Guide you through the claims process for a prompt and fair resolution of your claim.
• Help solve problems related to your coverage or account.
• Explain the coverage and options available to you through our agency, at your request.
• Return your phone calls and emails promptly and respond to your requests in a timely manner.
• Use our experience and multiple company relationships to customize your coverage as needed.
• Commit ourselves to continuing education so we may be more knowledgeable in serving you.
• Conduct business in an ethical and professional manner.

We pledge this to you, our client, and ask that you let us know if we fail to meet our commitment, so we may take corrective action, immediately!

Please visit our "Quick Quote Page", so that we can have your information to call and assist you, or you can call us today.

Thank you for your valuable time.