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Frequently Asked Questions

For new clients:

I am shopping around with other agents. Why should I use your agency over another?,

We are local, available, and knowledgeable. No insurance agent can offer lower pricing on the same coverage than another.

I have a pre-existing condition and want to change coverage. Can you help

Yes, but let us caution you to NEVER let coverage lapse until new coverage is in place. Many times we can help you redesign your coverage with your current carrier, or even move you to another carrier. Medical underwriting must be gone through, and it is more stringent on an individual basis than with group. Insurance carriers, at present, can deny you coverage. That's why we need to get to know your situation very well before we make a blanket recommendation.

My spouse uses tobacco and I do not. Should we apply together?

No, we suggest that you apply separately, so that only one of you will be rated for tobacco use.

If we quit using tobacco, can we get our rates lowered?

perhaps, as long as we go by company guidelines.