Questions and Some Answers

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States require that agents be properly licensed to serve its residents.  

Bill is licensed in:

Texas, Alabama, Arkansas, Arizona, California, Colorado, Delaware, Florida, Georgia, Kentucky, Louisiana, Maryland, Massachusetts, Maryland, Michigan, 

Missouri, Mississippi, Montana, Nebraska, North Carolina, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, Wisconsin and West Virginia.

No, face to face meetings are not required to begin the application process.  Most people I work with have enough demands on their time and almost every application can be done over the phone, email or docusign.

When an exam or lab work is required you would need to meet with an examiner, most commonly at your home or business.

Policy delivery can be done through the mail or in some cases, electronically.  We can then review your policy over the phone and I will answer any questions you may have.

No, we do not.  As a licensed agent I am compensated by insurance carriers when you accept a policy from them or when your advisor works with me to place coverage in force for you with one of our carriers.

As an independent agent my product and carrier recommendations are based on your needs, concerns and health as well as any insurability issues that arise during the initial interview process or during underwriting.

Yes, simply click for our quote page.

Important to know, when using our quote engine you are not putting your information out to cold callers or to be solicited.

When you are ready to apply, have questions, or want personal assistance we are here.

You can call, text or email directly from the quote page or the apply page and we will be happy to respond as quickly as possible.

Making an application for life insurance does not require an up front premium payment and you are not obligated to accept a policy even when an underwriting offer is made.

I encourage making an application for the "most" insurance you would want and for as long as you would want the premiums and face amount to remain the same. 

 Once your underwriting is complete and your premium rate class is known, you can have your policy issued "to order".

I believe you will find me to be a person that you can depend on and trust to serve your insurance needs today and in the future.  

I strive to serve my clients with the same ethical standards I would expect from someone working with or advising me on my own needs. 

I have been married for over 30 years and we have three great adult "children".  I am an avid triathlete, 3 time Ironman triathlon finisher and I enjoy encouraging others to achieve their fitness and race goals.