Insurance is one of the least understood of all financial products. This is understandable when you consider that insurance company lawyers draw the contracts in words not many of us use, or are at all familiar with, with a primary objective of protecting the company’s interests. You might think the insurance companies are secretly spraying the pages with chloroform because not long after you get through the section of the first page that outlines your name and address, you want to fall asleep.

Insurance should be used to transfer risk of loss that we cannot afford to carry personally to an insurance company that can. In almost every carefully constructed comprehensive financial strategy, some type of insurance is a critical element. But while the industry gives all insurance agents excellent training on how to sell it, the training on how it actually works, or how to properly explain it, let alone design it optimally within the context of an individuals comprehensive strategy, leaves room for improvement.

We analyze your coverage, explain what you have, point out what gaps you may want to address, and tell you which companies have the most competitive pricing in the lines you have, need, or want.