When you go to purchase family member health insurance for elderly over 61 protection, you’ll definitely want to take the time to evaluate and contrast the rates and deductibles that different organizations offer. Nowadays you’ll realize that there are many different health insurance age 62 to 65 plan organizations and they offer a variety of programs. When you call they keep transferring you to different agents who all do the same. I will call you back , or here is my number ” which they never call back and when you call be prepared to talk to a voicemail.
Two days later, Patel was involved in an 11-car collision on an icy road. Ten cars in front of Patel had collided and Patel’s car hit the car in front of him. Enter your state in the search field to see average rates by company, based on an Insurance.com rate analysis of up to six major insurers in nearly every ZIP code of the state. If you happen to live in New York, Nationwide offers additional coverage options that may not available in other states.
Home Insurance – Buy Cheaper Flood Insurance No Matter Where You Are. Our Flood Nerds shop National and local private flood insurance. Auto – Home – Business – Life – Health Insurance – 3T Insurance is a broker firm who seeks the best value and service for their clients. With one of Colorado’s largest insurance network provider lists, over 20 different carriers to search through, we make it quick and easy to shop for your insurance needs. Personal & Business Insurance – A full-service agency serving both businesses and families. United Agencies provides expert advice, service and competitively priced products for Auto Insurance, Homeowners, Business Insurance, Workers Compensation, Employee Benefits, Health Insurance and Life Insurance.
Allstate should not be allowed to cheat customers out of unused insurance premiums. However I’ve learned that I’ve been charged for not having insurance since I had my car and that’s why it isn’t paid off. I just need to provide letters of experience from my insurance companies and I’m good to go. Allstate’s personnel kindly found the info I had but said they had to put in the request for a letter of experience. I eventually get it….but it’s for a six month term instead of the full period. So I chock it up to miscommunication…It’s been a few months now, and I’ve repeated this process about 5 times or so with the same results.
The NAIC complaint index gives the number of complaints compared to the number of policies the company has in force. Allstate comes in a little above the national average of 1.16. J.D. Power also ranks companies based on regional performance; based on the two national surveys, Allstate is performing below average. This coverage does not qualify as “Minimum Essential Coverage” as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. And, while enforcement of the federal tax penalty is not occurring in 2019, some states may impose a tax penalty if you do not have MEC coverage. For people looking for supplemental plans to round out their coverage.
Blue Distinction® primary care and specialty care programs help connect you with doctors and hospitals that provide exceptional patient care. Select Blue Cross Blue Shield Global™or GeoBlue if you have international coverage and need to find care outside the United States. This page is posted on the Internet as a public service to demonstrate just one of the many benefits available to the members of The Consumer’s Action Plan. If you are like most people and don’t keep accurate records then you can send them a letter demanding they provide you with a copy of their records. Your contract provides that they can demand your records, so it makes sense for you to be able to demand the same from them about your contractual obligations.
Please note that the policy details may differ slightly depending on your residing state. Your monthly payment can also differ depending on your residing location , your previous driving records , and your age . However, you may be eligible for a number of bonus and discount price if you meet the requirements of their various programs. The insurer carries a wide range of insurance products and investment products. As for investment products, the company provides college saving plans, annuities, individual retirement accounts , and mutual funds. The only discount Allstate offers for its life insurance policies is a bundle discount when purchasing both auto and life insurance from the company.
One company might have the cheapest car insurance quote for a 35-year-old man living in Georgia, while another may offer a better rate for a 53-year-old woman living in California. The only way to tell which company fits your needs best is to compare car insurance quotes in your state. Charging $200 less per year, on average, than the next-cheapest large insurer , Geico ranks the cheapest among the four companies in NerdWallet’s 2021 analysis. And with over 15 auto insurance discounts available, Geico offers more ways to save on your car insurance than State Farm, Progressive or Allstate. Personal injury protection coverage is mandatory in 16 states, including Maryland. Review your auto insurance policy or check with your insurance agent to find out whether you have PIP coverage.
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Thousands of consumers and insurance agents rely on us to help them secure the best possible coverage for themselves or their clients. Auto – Home – Business – Life – Health Insurance – Looking for the best auto insurance quote available? Let our insurance experts do the shopping for you through our multiple providers. Life – Health – Long Term Care Insurance – Providing health and financial security to Seniors and Baby Boomers through Medicare Supplements, life and long-term care insurance, and annuities. Life – Health – Long Term Care Insurance – Taking personal care of you and your family with a free consultation or quote of best suited coverage.
Regardless of how you file a claim, Allstate encourages you to notify your local agent immediately after doing so. Allstate offers a range of retirement and savings products, including annuities (traditional, fixed, variable, and index- or equity-linked). Motor home and RV insurance covers loss or damage to the contents and physical structure of your motor home or RV, as well as liability costs if you’re at fault in an accident. If you’re at fault in an accident, it also covers your obligations for other parties’ medical expenses and boat and property repairs. These protections apply to U.S. territorial waters within 100 miles of shore.
Auto – Home Insurance – We offer the best Insurance companies at an affordable price. From general auto insurance to the not so simple we got you covered. AZ liability insurance could be as low as $25.00 a month, in some cases even less. We work with more companies and that means more savings for you!
These plans are not part of Medicare but can be used in addition to your coverage. Other senior-specific plans available include dental, vision, and final expense insurance. This insurance shopping tool compares 100+ companies and prefills your quote forms. Take control of your money stress by learning to prioritise and plan your financial goals. If you’ve had a claim recently, that can cause your rate to increase. Or if you’ve had a traffic violation you might see an increase.
Shares of publicly traded companies can be bought to help build a well-diversified investment portfolio that has exposure to the financial and healthcare sectors. Identifying which types of insurance a company primarily deals with helps determine which firms are competitors and which really are not. Looking at sales figures, or premiums collected in a year, one can also see how public companies stack up against privately held or mutual companies which make up a large segment of the industry.
While it may take a bit of time, it will definitely be worth your time when you are able to get the best possible deal. When comparing programs, make sure you are comparing apples to apples, since the protection individual health insurance cost limits and deductibles are almost always different in various programs. It’s important that you discover what you need from your family senior parents health insurance over 65 plan protection.
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USAA specifically caters to current and former military members and their families. The company consistently receives high marks for customer service, earning the highest scores in the 2020 J.D. Power U.S. Home Insurance Study, although the provider is not eligible for ranking because of its eligibility restrictions. The company’s claims service is outstanding as well, again scoring highly in the 2021 J.D.
Auto – Home – Business Insurance – Welcome to Bonano Insurance Agency in Covington, We provides services the Covington area and throughout the state of Louisiana. Business & Commercial Insurance – Benefit Resourcing International health insurance portability and accountability act Specialists in International Insurance Providing Insurance Without Borders. We specialize in providing International Travel, Health, Life, Commercial and Property & Liability insurance to brokers, employers and global citizens.
“It is a good insurance company, it is reliable and it serves me well when I need it.” “If someone was considering switching to my insurance company, I would tell them about the multiple positive experiences I have had with Allstate.” The DriveWise program is a pay-as-you-drive plan that uses telematics to monitor your driving behavior. Conservative drivers should see a discount for consistently safe driving behaviors such as moderate breaking, staying below 80 mph and a low number of miles driven daily. Before buying with a company it is wise to check on a company’s financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Allstate’s financial strength to pay claims.
You are here to get the best rates on different types of protection from Allstate or other companies. The quotes comparison process takes some minutes and requires to fill in your zip code first. We help to compare quotes by one click, providing you good deals on home or auto coverage. If you need life or health protection, ALLSTATE also provides discounts to their new or current customers. The calculation depends on type of policy, coverage options, your zip code area, and of course details regarding your policy type. So, we offer to choose Allstate insurance quotes using comparison tool, where you can save, taking into consideration deals from such financially strong provider.
With a range of coverages and deductible options to choose from, you can easily create an insurance policy that protects your mobile home and works with your budget. Yes, we’re an insurance company, but find out what makes us stand out. Protecting your independence and finances becomes more important as you age. Insurance advertising is intended for the person to buy the insurance. It can be done through direct marketing through television, direct mail or encouraging customers to receive sales calls or any other methods. Hence, each country has different laws and guidelines for selling insurance, paying claims, or underwriting.
However, if you can’t afford a new car if your current car is totaled, then you might want to consider other options. New Car Replacement – Any driver that has a car that is three years old or younger will receive enough money to replace that car with another new car–not a used car, and not the depreciated value of the car. Accident Forgiveness – Keeps your rates from increasing if you have an accident. Allstate Disappearing Deductible – You will receive an initial $100 off of your deductible when you sign up for a new policy. Each year you don’t have an accident another $100 is deducted until $500 has been reached.
The company, regular swevice, and excellent handling of claims. One was a major problem involving fire and we were well cared for. We have had a couple of accidents that was not our fault, our agent helped us through it and got all the claims taken care of.That meant so very much to us.We prefer to stay with Allstate. I have to make many changes to my policy and they are always polite and very helpful. Of all the quotes I received, the one from Allstate was cheaper and the people who sent it out seem to really care. Currently have Home, Auto, Flood, and Umbrella policy with this company and have been completely satisfied with their services.
Through dedication, knowledge and a tireless work ethic, I know I can be the agent you will send friends and families to. I will strive to protect your assets and exceed your expectations. Auto – Home – Business – Life – Health Insurance – Finding insurance that meets your needs and fits into your budget can be a difficult task to navigate—we’re here to help! Simmons Insurance prides itself in providing quality service through knowledgeable and friendly agents all over the Northwest. With 40 years of experience, more than 20 locations, and over 25,000 clients, we still place our highest value in family serving families.
In some instances, drivers have reported that the Allstate Drivewise app is not recording trips. Allstate recommends rebooting the phone or even deleting and re-downloading the app. If Drivewise is still not recording trips, contact customer support. Drivewise allows the addition of all of the drivers in the household to the program. When there are multiple drivers, the information will be combined to determine the discount. The discount can be earned on each vehicle in the household individually.
Allstate’s dedicated local agent network is extremely well-developed, and the company takes pains to direct business to individual agents. Although Allstate offers financial incentives for avoiding claims altogether, its Claim Satisfaction Guarantee may save you hundreds of dollars if a claim doesn’t go your way. If the covered building what is health insurance is rendered uninhabitable by a fire or other disaster, Allstate’s landlord insurance policies may pay up to 12 months’ worth of lost rent, depending on your coverage choices. Allstate offers insurance policies for motorized recreational vehicles, including snowmobiles, all-terrain vehicles , and four-wheel-drive vehicles .
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In fact, over 90% of our clients stay with us year after year, thanks to the trust they have in our insurance experts. Allstate Canada will cover your residence, or temporary residence, with a variety of coverage options and the usual array of discounts. While paying out-of-pocket may seem like an option for pet care, veterinary medical costs are high. Pet insurance gives you peace of mind should your four-legged friend fall ill unexpectedly.
The NAPAA also alleged that the insurer “poached” policies from the exclusive Allstate agents. This doesn’t sit well with us and seems way too vague where all of the other top pet insurance providers will explain on their site the different coverage, pricing and waiting periods. Deductibles are the one-time payment you make each policy year before the pet insurance provider will start to reimburse you for your vets’ bills. Allstate’s reimbursement options offered are 70%, 80%, and 90%.
I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current needs, and more importantly, their future needs. Auto – Home – Business – Life – Health Insurance – We work hard to fill our clients needs with quality protection policies with highly rated carriers. We build our business on the referals from our satisfied clients. Auto Insurance – We specialize in customizing a Life, Home, Auto, Farm, or Commercial Insurance plan to help to protect your family, business and community. Personal & Business Insurance – Marshall Insurance is an independant insurance agency featuring Erie Insurance.
The SIG Insurance Agency is a customer-focused independent insurance agency. With 25+ years of providing insurance solutions to businesses and individuals, SIG has earned the reputation of being a high-quality, reliable and cost-effective insurance affordable health care insurance provider in the markets we serve. Auto – Home – Business – Life – Health Insurance – Ferguson & McGuire was founded in 1938, we have a total of eleven offices, with an additional sixteen affiliated offices located throughout Connecticut.
On the other hand, if you sign up and the app doesn’t work well, the chance of a discount diminishes. Allstate Insurance is now offering several useful mobile apps. After answering questions about your vehicles, drivers, driving history, and how your cars are used, Allstate will take you to the coverage section.
Luckily, most of the major car insurance companies also offer home or renters insurance with a discount to boot. Some insurance companies offer between 5% and 15% discounts on home insurance if you bundle all of your policies with one company. The top auto insurance companies currently leading the market are State Farm, Geico, Progressive, and Allstate. Compare car insurance coverages and companies often to get the best coverage and the best rates.
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Write down all the parties’ license number, plate number, and insurance policy number. Take pictures of your vehicle and other parties’ vehicles to support your claim. Record a voice recording of what happened at the accident, when did the event occurred, and where the event occurred. If there are any witness to the accident, try to gather their information as well. And if you are hurt in any way, see a medical professional as soon as possible and receive a copy of the doctor’s note.
It provides coverage on top of a personal auto insurance policy for those driving for companies like Uber or Lyft. The terms vary by state and the program is designed to meet the specific state laws for rideshare driver liability. Although they are known primarily as an auto insurance company, Allstate sells nearly every type of personal lines policy as well as a good range of commercial products. This allows them to cover all the needs of a single individual under one banner, which adds a convenience factor as well as the selling point of multi-policy discounts. Does your agency come up in local searches for health insurance agents? If not, make sure you sign up for a Yelp page, neighborhood pages and any directories for health insurance agents.
However, many car insurance companies also offer discounts to help offset the cost of insuring a teenager or young adult driver. Common discounts for young drivers include good student discounts, telematics discounts and driver training discounts. Individual and family health insurance plans can help cover expenses in the case of serious medical emergencies, and help you and your family stay on top of preventative health-care services. Having health insurance coverage can save you money on doctor’s visits, prescriptions drugs, preventative care and other health-care services. Typical health insurance plans for individuals include costs such as a monthly premium, annual deductible, copayments, and coinsurance.
Allstate Insurance was originally founded in 1931, and they have since grown to become a top provider of auto insurance, homeowners insurance, umbrella insurance and more. If you’re shopping for car insurance, however, you’ll quickly find that all insurers have their downsides. Keep reading to learn how Allstate Auto Insurance stacks up to the competition, when you should consider it and how to qualify for the best car insurance rates. Allstate is one of the most popular auto insurers nationwide, and this is partly due to the company’s marketing efforts. Make sure you have the best yet most affordable car insurance coverage to protect your new driver.
Contact your local agent today for more information OR Click here to get a pet insurance quote. Car insurance companies are increasingly being dumped for Progressive and GEICO. Allstate is very similar to other traditional insurance carriers. This allows you to get personalized advice and recommendations, but it also slows down the process. Like other traditional carriers, it’s made steps to modernize. Your agent knows your policy and can help you update information, file claims and make changes to your policy.
Jeanne’s supervisor and the guy that assessed the damage both agreed that she handled the claim poorly and that the damage required a much higher claim amount. Jeanne issued a check for an amount much closer to the estimate and claimed that a check for the remainder of the amount would be issued upon completion of the work. Once the work was completer we submitted the bills for all work in order to receive the final amount and close the claim. Jeanne Joseph replied that we would not receive the final amount due to a detail that she never explained to us, once again withholding information from us. I only hope that all of their adjusters are not that incompetent and deceiving.
There are links in the left-hand side menu to compare occupational employment by state and occupational wages by local area or metro area. There is also a salary info tool to search for wages by zip code. The median annual wage for insurance sales agents was $52,180 in May 2020. The median wage is the wage at which half the workers in an occupation earned more than that amount and half earned less. The lowest 10 percent earned less than $29,000, and the highest 10 percent earned more than $127,840. Insurance sales agents need to actively seek out new customers in order to maintain a flow of commissions.
Whether you’re looking for auto , home, life, business, or specialty coverages. With the highest level of integrity we will educate and help you select the best value and coverage to fit your life. Auto Insurance with Farmers offers a variety of products to cover your cars, motorcycles, commercial auto, boats and RVs. Is an independent agency, having access to the best-rated insurance products from multiple sources and will tailor to the individual and business needs. Personal & Business Insurance – As an independent agency, we only represent a carefully selected group of reputable and financially sound “A Rated” carriers.
We offer a broad range of options so you can tailor a solution to supplement your health care strategy. Member Discounts Take advantage of member-only discounts on health-related products and services. To access your member services, please visit your BCBS company.
Auto – Home – Business – Life – Health Insurance – The Sanford Group is independently owned and locally operated to handle your insurance needs. We focus on Ball Ground and offer affordable and reliable insurance choices all across Georgia. Personal & Business Insurance – RMC Group is an international provider of insurance, risk management, retirement and actuarial consulting services for businesses and individuals. Life – Health – Long Term Care Insurance – I offer Life, Health, Medicare Supplements, Medicare Advantage, Long Term Care, Dental, Vision, Critical Illness and other supplemental products in NW Florida.
— autoinsurancequotes (@2Autoinsurance) July 15, 2017
In exchange for an additional premium payment, this optional auto insurance add-on prevents your rates from going up after an accident that results in a claim, even if you’re found to be at fault. Assist customers with their insurance needs on home, auto and life insurance. In New York, life insurance issued through Allstate Life Insurance Company of New York, Hauppauge NY. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. You are required to obtain all applicable state licenses for property & casualty, life & health insurance before getting appointed with Allstate.
Life Insurance – James Walford State Farm is a locally owned insurance agency offering auto, life, & homeowner insurance to Des Moines and nearby areas. We protect what’s most important to you and partner to create a plan for your future. We work to better lives, protect families and give back to our community. Personal & Business Insurance – We specialize in writing Business and Personal Insurance within the islands of Hawaii. Our focus is on bringing value to our clients by finding them the best pricing and coverage available.
There are no brick-and-mortar insurance agencies; instead, policies are available through the company’s mobile app, using artificial intelligence. However, if policyholders need to talk to a live agent, customer service representatives are available. Lemonade is a relatively new carrier, but its innovative style earned it a place as one of the best homeowners insurance companies.
We have 16 different insurance companies ready to serve you our customer. Auto – Home Insurance – Over the past many years, the Bell Agency continues to hold the position of the best auto insurance company in Henderson, Nevada. Apparently, the company manifests the finest representatives who acknowledge your specific requirements for insurance policy. Auto – Home – Business – Life – Health Insurance – We are a local Las Vegas, family owned insurance agency. We work hard to fit you into the smartest, most affordable insurance that meets your needs.
The Simple Dollar has partnerships with issuers including, but not limited to, Capital One, Chase & Discover. When comparing short-term health insurance against ACA insurance, it’s important to consider your overall healthcare needs. A short-term plan is meant to bridge the gap in health insurance coverage for those who temporarily lack major medical insurance.
- We also offer benefit education sessions, health plan audits, and tax free retirement plan strategies for highly compensation executives.
- With multiple options for filing claims, all but one of which that are available 24 hours a day, seven days a week, 365 days a year, making a claim with Allstate should be easy.
- Life – Health Insurance – We are an independent agency that specializes in providing life insurance to individuals and families across the nation.
- Auto – Home – Business – Life – Health Insurance – I’ve been with Allstate for over 25 years and have worn many hats in the company.
They did not cover any of the furniture nor the rugs that were damaged. He has been paying home insurance to Allstate on his home for 28 years. A few months ago he made a claim because his water heater exploded.
Login to your account by entering the requested details, such as your policy number, name, phone number, etc. Car insurance provides the same protection against the expenses arising out of accidental damages, theft or other related perils. Learn more about common misconceptions regarding full coverage insurance and how you can make sure you’re totally protected with American Family Insurance. Basically, subrogation is when one insurer (e.g. American Family) receives money from another insurer (e.g. the at-fault driver’s insurance company) so that the not-at-fault driver gets their deductible back. But it doesn’t seem fair to have to pay for an accident that wasn’t your fault, right?
Rated A+ by AM Best, Allstate offers financial stability and a traditional approach to insurance. If you prefer having the assistance and advice of an insurance agent, Allstate could be a good choice for your motorcycle insurance. We continue to prioritize the health and safety of our employees, customers and communities during this pandemic and can serve you by phone or email. Effective June 14, 2021, if an in-person meeting is necessary, you will need to book an appointment with your agent in advance of your visit and adhere to the safety protocols at our agencies. While most of our agencies are available to receive in-person appointments, please contact your local agency to find out if in-person appointments are available at your agency location. Buying life insurance is all about Class.The Life Insurance Health Class that is.
To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. This Allstate review will cover Allstate ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Allstate A.M. Best rating is A+, and the Allstate S&P Rating is AA-. To compare insurance rates from the best companies in your locale, enter your ZIP code below. Allstate offers a pretty comprehensive auto insurance program, with all of the basics covered as well as plenty of options including money-saving programs. Allstate’s highest rates based on this data are found in Michigan, where they come in at near 55 percent above average.
— autoinsurancequotes (@2Autoinsurance) July 15, 2017
Auto – Home – Business – Life – Health Insurance – Our mission is to become partners with our customers by providing prompt, accurate, friendly, cost efficient service with every contact. We aim to help manage the risks of everyday life, recover from the unexpected, and most of all, be there. Auto – Home – Business Insurance – Protect your company’s assets and employees with workers comp insurance. We serve Brooklyn, Queens, Manhattan, the Bronx, Staten Island, Westchester, Long Island and all of New York State. Workers compensation insurance in New York is a state-mandated, no fault insurance that will pay benefits to employees that are injured on the job.
Life – Health Insurance – Original Medicare consists of Hospital Insurance and Medical Insurance . Original Medicare pays a good share of Medicare approved amounts for covered health care costs, but it does not pay these costs fully. This means you are responsible for what Medicare does not pay.
They have become a dishonest and fraudulent company trying to change you extra money. I agree that I have not received compensation for my comment and that my opinions reflect my authentic experience as a customer or former customer. Allstate has received a Better Business Bureau rating of A-, with a composite score of 3.27 out of 5 stars based on 149 customer reviews. In terms of coverage, Allstate has a leg up on the competition, thanks to their comprehensive list of policies that protect drivers from most motor vehicle hazards.
You may purchase your plan online, through live chat, or with a phone call. We offer superior expertise, knowledge, and experience over other alternatives, so you can rest assured we can help you find the best choices for your unique situation and budget. Additionally, if you end up looking for long term individual and family health insurance, eHealth has can show you all the best options available in your area. State Farm offers many coverage options, from auto insurance for teen drivers, or insurance protection for rental cars to insurance for sports cars and more. Get a free car insurance quote from the industry leader or learn about available policies. Personal & Business Insurance – As professional insurance advisers, we want to do more than sell insurance.
Insuring a home that has had multiple claims in the past three to seven years, even if a previous owner filed the claim, can bump your home insurance premium into a higher pricing tier. You may not even be eligible for home insurance based on the number of recent past claims filed, notes Bank. It’s unlikely, but if you do find yourself forced out of your home for a time, it will undoubtedly be the best coverage you ever purchased. Before you book a suite at the Ritz-Carlton and order caviar from room service, however, keep in mind that policies impose strict daily and total limits. Of course, you can expand those daily limits if you’re willing to pay more in coverage.
To learn more about Medicare Supplement health insurance Plans in your state of residence, select your state to get started. Medicare Supplement insurance plans are available to you if you are 65 or older and have enrolled in the Medicare Plan, Parts A and B. And in some states, coverage is available if you are under age 65 and are Medicare eligible due to disability or End State Renal Disease . The purpose of this communication is the solicitation of insurance. Contact will be made by an agent/insurance producer or insurance company. Now that you’re signed up, we’ll send you deadline reminders, plus tips about how to get enrolled, stay enrolled, and get the most from your health insurance.
Consider Allstate cancer insurance, Allstate accident insurance, and Allstate disability insurance. Additional health cover is especially good for those who have dependent children, limited savings, limited healthcare coverage, demanding careers, or are have a high cancer risk. Free Advice® is a unit of 360 Quote LLC providing millions of consumers with outstanding legal and insurance information and advice – for free – since 1995. If Allstate has denied your valid claim or rescinded your policy, it may have acted in bad faith. To contact an attorney whose practice focuses in this area of the law, please click here. Consultations are free, without obligation and strictly confidential.
We educate first and then earn your trust with excellent customer service and personal attention. Our goal is to make your buying Medicare insurance experience simple & easy. Personal & Business Insurance – We offer great policies at great rates for all your personal and commercial insurance needs. Business & Commercial Insurance – As independent agents, we have myriad resources to help you save money and manage your risks. We represent a carefully selected group of financially sound, reputable insurance companies. Life Insurance – Annuities for retirement planning, and life insurance for protection, tax free benefits and wealth transfer.