Captive agents only have the ability to offer products that are part of their carrier’s portfolio.

Independent agents are not restricted by one carrier’s limitations of products or pricing, but instead can work with a variety of carriers.

In short, independent agents save you money and time, and cost you nothing.

We work with several carriers for each of our products.

Our products include personal and commercial auto, home, renters, landlord, condo, general, professional and cyber liability, personal and business umbrella, 10-40 year term life, whole life, final expense life, universal life, return of premium life, Medicare Advantage, Medicare Supplements, ACA health plans, dental, vision, fixed annuities, fixed-indexed annuities, motorcycle, ATV, snowmobile, pet, travel, flood, wedding/special event, EPLI, D&O, farm, animal mortality, watercraft and supplemental health products.

As an independent agent, we have the freedom to do what’s right for you.

That’s why we partner with a variety of carriers for each of our products. Visit our about section to view a full list of our carrier partners.

No. We proudly offer our products without an agency servicing fee.

Unlike when you purchase insurance directly through a carrier’s website, having an independent agent gives you a free, independent resource to help answer questions without immediately involving the carrier.

This is especially helpful when you have a non-emergency claim and you want to ask questions on whether you should file it, as when you are direct and you call a carrier, they’re opening a claim, which regardless of fault, can affect your future premiums.