FAQ

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If you are looking for some answers regarding one of our services or insurance packages, please see if we’ve answered your question below. If you can’t find what you are looking for, please get in touch and we’ll do our best to help.

Why do I need to buy insurance?

Insurance allows you to protect your assets, health, and family from unexpected costs and losses due to sickness or an accident. Health insurance and Medicare Insurance and supplemental insurances let us offset our cost from health-related events, where life insurance allows us to cover the cost of the mortgage and big-ticket items, plan for the kid's college, plan for retirement, and the estate taxes. Then there is property insurance which is everything from your auto coverage to covering your home, personal items, pets, accidents and losses, even flood, and finally, for the business owner, there are the potential losses from your business.

Do you offer free consultations to new customers?

Yes, we never charge to sit down with our future clients and current clients to discuss their needs, run quotes, perform policy reviews, and help them. Even any financial needs analysis or other needs analysis form we fill out will be free for the client. We make our money from the insurance companies when you pay your premium.

How do I make sure I’m not over-insured?

Over-insurance can only occur when coverages overlap to the point that they become redundant. This would mean if you have two health insurance plans then you may be overinsured for your needs. The plus to us performing the policy reviews and all we offer at no cost to you will help both us and you see where you are overinsured and where you are underinsured and why you are each of these at each point.

If you have any additional questions, please don’t hesitate to get in touch. We are happy to provide more information about what we offer.