We specialize in health insurance solutions for individuals, families, self-employed and small companies.  We are proud to provide the highest level of selection and service.

The plans we offer:

Available insurance carriers, plans and rates change constantly.  Insurance companies change their underwriting rules from time to time.  The lists of participating doctors, hospitals, and service providers affiliated with certain plans may change with little notice.  Because we focus on health care insurance, we keep on top of these changes.

We value and enjoy long term relationships with our clients.  Our consultation and analysis guarantees the plan that’s best for you.

We understand that choosing the right insurance carrier and plan is an extremely important decision, and sometimes a daunting task.  We treat each client individually and explore all of the various plans and options.

You can spend hours of your time trying to select a plan that suits your needs, or, you can contact us and let us work for you!

Through our many successful years and experience, we have developed and utilize our unique “ 7 P’s Philosophy and Approach” to each and every client.

1. Privacy:
   We respect your privacy and will never “sell” your information to any other party. We will only communicate the confidential information necessary for your application process.
2. People:
   Insurance is about people protecting lives.  Acting as your agent, we interact between you and the insurance companies.  Our full service staff is always ready to assist.
3. Principles:
   We stand by our core principles of honesty, integrity, expert industry knowledge and exceptional customer service.
4. Price:
   We do not charge for our services!  You pay the same rates as if you applied directly.
5. Plans:
   We carry all of the quality insurance carriers in order to provide the most choices and options.
6. Process:
   
   • We listen and educate our clients.
     No health insurance company's products work for everybody. We ask a lot of questions to help you find a good cost-effective match. Different insurance companies have different types of coverage and vary as to which health conditions they consider risky. Unless you are perfectly healthy, you may run a risk when you apply for insurance without using our service.
   • We prescreen your information with different companies.
     When necessary, we prescreen your case with various companies to find the best offer. Then you may be able to choose a company knowing that they are more likely to accept you at a rate that is affordable.
   • We offer choices and help decide your options.
     You could be accepted, but at an unacceptable price. You could be accepted with a 'rider' which excludes coverage for certain medical conditions or areas of your body. You may even be declined for coverage, in which case we can strategize other options and solutions to provide your needed coverage.
7. Provide:
   
   • We provide service and support during the plan selection, application, underwriting, approval, and installation process. We make sure your coverage becomes active, in force on your effective date, and adequately serviced by the insurance company.
   • We will also provide a complimentary plan review upon renewal to make sure that your current plan is still "the plan that's best for you."

We have a proven philospohy and approach.  We do not charge a fee for our services.  To our knowledge, there are no insurance companies currently offering you a better price if you buy directly from them or through the Internet.  You can spend many hours of your time trying to select a plan that suits your needs, or, you can call us and let us work for you.

Available insurance carriers, plans and rates change constantly.  Insurance companies change their underwriting rules from time to time.  The lists of participating doctors, hospitals, and service providers affiliated with certain plans may change with little notice.  Because we focus on health care insurance, we keep on top of these changes.

Other agencies who offer home, auto, life and business insurance, can’t keep up with all of the changes and specifics of the health insurance marketplace and only offer a few options.  In fact, a few agencies send their hard to place health insurance clients to us!

We understand that choosing the right health insurance carrier and plan is an extremely important decision, and sometimes a daunting task.  We treat each client individually and explore all of the various plans and options.

Manyother  full-time health insurance agents are "captive" agents and can only offer products from one company.  With the right amount of information and consultation, we are confident we can help you with your particular needs, providing valuable service every step of the way.