With over 30 years of experience, I serve families, seniors, professionals, and business owners. Being there for my clients and their families is what I do.
Stop surfing the web and speak with a real person. Someone who has experience, knows the products available, and understands how those products meet client needs.
People are comfortable talking to me. I focus on your needs and goals. Save time and frustration... click below and start a conversation
Starting with a Simple Conversation©, a short document that helps identify what matters most to you.
Complete Needs Analyses
Group and Individual
Quick Fact Find determines:
As an Independent broker we have access to the market. Different insurance companies have their niches and we want you to get the best product at the lowest price.
When possible, I love meeting face to face. With the new technology, we can complete the interview and application process in the comfort of your own home.
We Zoom and DocuSign
Easy to purchase
Policies are not created equal
Clients benefit from someone who knows the questions asked by the different carriers. Where you qualify determines your premium.
Focusing on your needs and budget allows me to help you purchase a plan that will be in force when the benefit is needed.
Having assisted in multiple claims, I know that beneficiaries appreciate any sum to help them through that difficult time.
What happens if death or a critical illness occurs prior to making it to retirement? Much of my work is with clients between 45 and 70. Many are still working, have a mortgage or debt, children at home, and saving toward retirement.
Reviewing risks and planning for the future now can save you a lot of money. Insurance costs increase as you get older and health impairments add additional premiums or lead to declines.
People on tight budgets need insurance too. Working or retired, imagine the impact on family when an income source is lost. With the introduction of non-medical insurance, more people have access.
When you do business with me, you get a written letter explaining the policy purchased, why you bought it, who it is meant to benefit, premiums you will pay and options in the policy that you need to take notice. It also sets actions for the future. This document does not come with a policy purchased online. In fact, I seldom see an explanation letter when reviewing existing coverage.
Comfortable conversation, knowledge and experience, access to markets, documentation - all great reasons to Talk to Tim.