Availability & Disclaimer

Insurance products. The intended use for the site is only for informational purposes and should not be construed as offering legal or tax advice, nor as an offer to insure, rather, only as an offer to inquire. Visitors to this site who desire to procure insurance coverage are advised that the availability of plans in any particular state through our agency is limited to those companies with which we are currently contracted in states where the owner and proprietor is properly licensed. Insurance quotes are issued on a good faith basis to individuals who submit a request for a quote through our site but are intended only to present a general idea of an offer that might be made to that individual or family. All applications for coverage are subject to final underwriting approval. Individuals are always cautioned to carefully review all relevant information regarding any particular plan of coverage in which they may be interested, including but not limited to premiums, benefits, exclusions, limitations, and other pertinent information (financial ratings, etc.).

It never is our intention to solicit insurance business in any jurisdiction where our agent or agency is not properly licensed. Rather, in any such jurisdiction, viewing of this site and any information offered either directly or indirectly, should be construed as statements of general principles. 

Savings accounts. We have de minimis financial interest in the selection of an administrator for our insured clients' HSA accounts. Our recommendation of Webster Bank (d/b/a HSABank) for account service is due to their low cost and mutual fund availability, but each HSA account holder is free to choose his/her own administrator at any time. We provide no investment advice whatsoever. Nevertheless, there are no warranties implicit or otherwise regarding the performance of any particular HSA account. Investors are cautioned that funds deposited into an investment-oriented account, e.g., mutual funds, may lose value.

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Our agency represents major, name-brand highly-rated companies, including:

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