​We will provide you with a professional review of your insurance needs at no cost or obligation.​

Professional:

Payment Plans:

Ready to Explore New Possibilities?

Claims:

Auto and homeowners are important personal insurances to have. However, life insurance should be a priority with every single person. Few people really stop to think about the reasons why they need a life insurance policy.

Your death will impact your family’s financial standing making it crucial to plan ahead. Imagine facing the emotional strain of a loved one’s death and facing bankruptcy because the loss of income made it impossible to keep up with bills. Life insurance protects your family from financial ruin following your death.

If you are single, you should not avoid personal life insurance. Your passing could create a financial strain on your immediate family because creditors will turn to your estate for payment of uncollected debt. Life insurance protects everyone you love.

A life insurance policy also allows you to donate all or a portion to your favorite charity or non-profit organization. You’ll rest assured knowing your contributions will not stop.

If you own a business, life insurance is the best way to insure your business operates as normal. Life insurance provides the capital needed to keep the business afloat.


We offer the following personal life insurance products: 


  • Term
  • Permanent
  • Whole Life


The variety of personal life insurance options allows you to work with one of our knowledgeable agents to create a life insurance policy that’s both affordable and provides ample coverage.

Contact our agents today to discuss how much life insurance you should carry. We’ll help you create an affordable policy that protects your family and gives you peace of mind.

​Our programs are flexible and understanding of customer needs. They include monthly automatic deductions from checking, online at our website, credit card and Check-By Phone

Life Insurance

Personal Umbrella Insurance


People feel their insurance policy, whether it is homeowners or auto, will cover any liability lawsuit resulting from an accident. With skyrocketing awards, chances are high that if you are sued, you won’t have enough insurance coverage available. You’ll end up bankrupt without umbrella coverage.

Take a New York case titled Kelly v. Peterson where a simple auto collision stemming from one driver running a red light led to a $7 million award. The case was appealed and the new judge reduced the amount by approximately $1.5 million. Would your insurance policy cover the full $5.5 million owed to the other driver?

Too many people faced with these exorbitant judgments end up losing their assets and filing for bankruptcy. Don’t let that happen to you and your family! Umbrella coverage protects the assets you’ve worked hard to acquire.

Another benefit to personal umbrella policies involves unexpected cases. If you’re sued for slander or something not covered under your homeowner or auto policy, personal umbrella coverage is there to protect you.

Personal umbrella liability insurance helps protect you against huge liability lawsuits and protects you from lost wages while you are in court. The policy increases your liability protection by increments of $1 million. Adding umbrella coverage to your auto or homeowners insurance policy is the only way to ensure you’re financial standing cannot be affected.

Call our agents to learn more about umbrella coverage. We’ll help you determine how much additional coverage you need and come up with a premium that you can afford.

​Allstate offers 24 – hour claim service. Call our office for assistance: (802) 862 2322

Retirement Insurance


Experts agree that you need at least 60 percent of your current income to maintain your current lifestyle once you retire. You cannot depend solely on social security to get by. We offer a variety of retirement products to help ensure your retirement goes smoothly.

Saving for your retirement is often overlooked by younger adults. They think there is all the time in the world, but then the expense of raising a family and keeping up a home gets in the way and before long, there isn’t enough money left for your retirement. No one wants to spend the last years of their life working, so plan today for your future retirement.

Our experienced agents can help you look into: 

  1. Annuities
  2. IRA’s
  3. Money Market accounts

Retirement savings plans are tax-deferred. You save money because your weekly or monthly contribution is deducted before your income is taxed. You’ll pay fewer taxes. Only once you are withdrawing from your retirement account do taxes come into play. By that point, your income is usually lower than when you were working, so you’ll likely be in a lower income tax bracket and still pay less.

If you invest in annuities, you can invest a lump sum of money or pay monthly or yearly. You can choose to receive payments immediately or delay them for a future date. Once you retire and wish to receive monthly payments, you’ll receive some of your investment and the dividends that account has earned. If you withdraw on your annuity before the age of 59.5, you are subject to penalties.

Call us today for more information on how you can live comfortably after retirement.