As an Independent Insurance Professional, I have access to thousands of providers. I use about 25 on a regular basis. I find these top companies are what most clients need. I offer: Health Insurance (99% chance you will need) Disability income protection (~50% chance you will need) Life Insurance (eventually 100% chance you will need) Critical Illness insurance (some can be written w/ death benefits - pays whether you live or die for first event) Fixed and Fixed Indexed Annuities (Protected retirement income that CAN NOT lose principal on due to market fluctuations) Small employee group protection in above areas Small business owner protection in above areas I can find what you need within your budget because I am not confined to one company! Please let me know can I help you today?