During your appointment please have something to write with and to write on. If there is more than one person that will be making the decision regarding the insurance, or more than one person that is looking for coverage please have them attend the meeting as well. Your appointment will proceed more quickly if you have your driver's license, details about your current financial situation (income, assets, liabilities, expenses, life insurance policies, investment/ retirement accounts), information about your beneficiaries, and any questions you may have for your agent. While not required, this information will help our agents tailor make a plan that fits your needs, goals, and budget.

You can expect an agent to reach out to you via phone. Our agents will normally introduce themselves, go over your needs, and then find options that you qualify for based on an assessment of your health and finances. If you prefer, our agents may also meet you over zoom to more easily share information as well as to provide a face to face experience.

Your agent is contracted with a large number of different insurance and financial companies. During your appointment your agent will be comparing your goals and needs with all of these companies to find the best rates and plans to accomplish your goals. There are many considerations such as amounts of coverage, health status, budget, etc which can impact the availability of each individual carrier or plan. Our agents don't pick a plan and then fit you to it, the systems we use don't even make a product or company recommendation until after we have entered in all of our clients goals and information.

Of course, as we are a brokerage that works with many carriers instead of just one carrier like most agents we can evaluate your current policy against the entire market to insure you have the best coverage possible. While it is possible your current policy is the best available it is also very likely that one of our agents will be able to find something that will fit your current needs better than your previous policy.

There is a potential, especially if you have had recent health complications that you would be able to sell your current insurance policy. Instead of selling your policy you may also be able to apply the cash value inside of your current policy to a new policy to save you money. Please get in touch with one of our agents to go over details.

Unlike most agents, our agents do not work for a single company, every agent here is a broker dedicated to searching through as many companies as possible to find you the best insurance possible. Your actual policy will come from one of the many companies we work with such as Aetna, Mutual of Omaha, AIG, etc and have the full backing and security of the policy's issuing carrier.

Coverage is often effected by the health of the individual. Obviously someone who is 75 years old with stage 4 cancer is going to have a more limited selection of life insurance products than a healthy 20 year old. Even in products that do not take into account the health of the individual it can be important. Some of our indexed investment products such as annuities may have riders that increase the insured's retirement income if they were to need nursing care etc. We believe that these considerations are important when building a plan for our clients.

Financial information can help our agents find plans that are more suitable for your situation. Someone who has a lot of assets will have different life insurance needs than someone who doesn't. For example a person with a large amount of money inside a savings account may be better served by placing that same money into a combination policy that allows them to keep access to that money while simultaneously using the interest to pay for a permanent life insurance policy as well as having that same policy return a higher percentage than their savings account was. Without disclosing that information or the client specifically knowing that a policy like that was an option that person could have been forced to spend hundreds of dollars a month on an insurance policy with less benefits. Our experts are trying to help you, the prices of products do not change based on information you disclose, those prices are set by the insurance carriers for everyone.