Individual Solutions

“Guiding You in the Right Direction” is our motto and with over 18 years of experience in the insurance and financial services industry, we pride ourselves on our ability to help our clients in many areas. We provide one-on-one customer service with our clients because we believe insurance is not a “one size fits all” product. We first assess your situation, listen to your needs, formulate a plan to meet your needs, implement your plan, and finally review your plan annually to adjust to your changing needs. We provide individuals and families guidance in the following areas:

Health Insurance Planning: HMO, POS, PPO? Health insurance can be confusing. We will educate you about the different plans and help you determine which plan will be best for you and your family. We represent only the most reputable insurance carriers…no “discount” plans here!

Life Insurance Planning: How much do we need? What type do we purchase? These are questions many families face and we will show you your options. We will first analyze your family’s insurance needs, provide competitive insurance plans, and finally implement the policy. We do not represent one company. We feel there are many great companies available and our clients should have access to them all.

Disability Insurance Planning: Most people insure their prized possessions: home, cars, jewelry, etc. But, most people don’t insure their most valuable asset—their ability to work and earn income. We can educate you on how insuring your “work” will keep your family’s lifestyle constant and also keep your family from going into serious debt, should you become sick or if you are unable to work.

Long Term Care Insurance Planning: You’ve spent your adult career building a nest egg for your retirement. What will happen to your nest egg, if you or your loved one should need Long Term Care? We will assist you in determining how much care you may need or want, the types of policies available, getting competitive quotes, and finalizing the policy. You and your family will appreciate your planning. *For a comprehensive list of insurance products and carriers that we use to facilitate this planning, please refer to our “Products and Services” and “Insurance Providers” pages…