Yes! We provide consultation and available resources to every client we meet, always free of charge. Whether you are searching for your first insurance plan or looking for better coverage, our goal is to help find the best policy for you. Our agents have decades of experience in the insurance industry and can help point you in the right direction for successful life and retirement planning. Give us a call at (479) 431-5632, or stop by our Fort Smith office and let us assist you with your insurance needs.

We are always open for phone calls to schedule appointments in our office. Still, if a phone conversation, web meeting, or home visit is more convenient for you to discuss your insurance needs, we are happy to make the necessary accommodations to meet with you.

Our agency represents over 50+ top rated insurance carriers to provide you with coverage options that fit your insurance needs. We offer a free analysis of your insurance needs to help you make an informed decision on the coverage that is best for you. When you book an appointment with us we present you with all available options for your specific situation and help you weigh components such as affordability, coverage, and network

The best way to get started is to schedule an appointment with one of our agents to discuss the unique needs of your business. As an independent agency, we provide you with multiple health insurance policy options and discuss variables to your plans, such as the number of employees, benefit offerings, and pricing. Once we go over the available options, we help walk you through which plan will best suit your unique business needs and best serve your employees.

Life insurance is the best way to ensure that your survivors remain financially secure. Life insurance serves several purposes. It can provide mortgage protection, ensuring that your family would not need to give up their home. It serves as a replacement for income lost by a family wage earner and helps pay for services they provide.

The amount of life insurance an individual needs varies. Suppose the goal of a life insurance policy is to provide for loved ones over a period of time. In that case, generally, ten times the annual contribution an individual makes to their family is recommended. If the goal is to leave your family debt-free, any outstanding mortgage balances or other large debts must be calculated and considered in purchasing a policy.

As your life changes, so do your needs. We recommend that you review your life insurance protection at least every five years or sooner if you experience a major life event such as marriage, divorce, a new child, a home purchase, a new job, starting a business, or retirement. Life insurance is a final gift of financial protection and security to your loved ones. We would love the opportunity to sit down with you and discuss what life insurance policies would best serve you.

Long-term care insurance is becoming increasingly essential as the cost of providing health care rises. Families are experiencing increasing hardships as they struggle to manage their loved ones finances and navigate paying long-term care expenses.

Long-term care doesn’t just provide coverage for the nursing home or facility. Long-term care policies can also provide coverage for in-home care and many other benefits. It is very common these days for children to pay long-term care policies on their parents to protect their assets in the event their parents someday need long-term care services. So don't wait until it's time for long-term care to sort out payments, ease the financial burden and gain peace of mind when you prepare today! We have many options for long-term care policies and are always available to discuss them with you and your family.

Generally, you are eligible for Medicare when you turn 65. You may be working, not working or retired. Medicare is individual insurance. It’s your age that counts, not your spouse’s, even if you are both covered by the same employer insurance when one of you turns 65. Medicare is available to United States citizens and legal residents who have lived in the United States for at least 5 years in a row before applying.

You may become eligible to receive Medicare benefits based on any one of the following:

• You are age 65 or older

• You are younger than 65 with a qualifying disability (Medicare eligibility begins after 24 months of receiving Social Security disability benefits)

• You have a diagnosis of end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS, also called Lou Gehrig's disease) at any age

Is your 65th birthday approaching or retirement on the horizon?

Around your 65th birthday you'll have a 7-month window of time when you can sign up for Medicare. It's called your Initial Enrollment Period (IEP). Your IEP includes your 65th birthday month, the 3 months before and the 3 months after.

Contact your Medicare Specialist today and let us walk you through all your Medicare options!