Most of us understand the need for insurance. We work just too darn hard to lose it all when something unforeseen happens. On the other hand, we can easily become "Insurance Poor". So, what's the answer? I'm not sure I have THE ANSWER, but I do have an opinion, having a family of five, running my own self-employed business for the last 27 years, and paying for our own insurance as we do now. Here it is: Don't put all your insurance dollars in one basket and don't think bad things can't happen to you. I see too many people that put a bunch of dollars into a very comprehensive health insurance plan, but have little or no life or disability insurance, or vice-versa. How will they pay for their expensive health plan, if they're hurt, can't work, and have no money coming in? Wouldn't it be better to take a higher deductible and use the premium savings to make sure they have life and disability as well? In my business, I see bad things happen every day. 25 year olds diagnosed with cancer. 40 year olds getting hurt, unable to work, and having no supplemental income. 60 year olds diagnosed with a severe illness, also unable to work, no supplemental income, and have to use up retirement savings to get by. People of any age dying with little or no life insurance, and families trying to get by with little or no income. So, my message would be this: Young or old, seemingly healthy or not, bad things happen, and there is no predicting what will happen, to who, or when. If financially possible, get whatever you can afford to protect yourself. I will do my very best to offer you as much insurance protection possible based on what your budget will allow. You may not be able to afford all that you need at this time, but we will put a long-term plan in place to get you there. I think a mistake often made, is to wait until you have the money to do it all. Unfortunately, bad things don't cater to your schedule. As always, there is no obligation to buy, and we can work out a time to meet that works with your schedule. Please give me a call for initial quotes and a summary of plan benefits.

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Our mission is to help people insure what is important to them. We are committed to building lasting relationships and exceeding the customers expectations for service. Our team is dedicated to making the insurance buying process easy and manageable. We want to ensure our State Farm customers are prepared to manage the risk of everyday life, recover from the unexpected, and realize their dreams.