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You might have heard us mention that we are an Independent Insurance Agency. But what does that mean, exactly, and how does it translate to the best coverage for you at the best price? Generally, there are two types of insurance agents: captive and independent. A captive agent sells insurance for only one insurance company.

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“Do I need life insurance?”   If you have dependents or family, then yes, you do.  In the event of your death, the last thing you want is to shoulder your family with the burden of medical bills or funeral expenses.  Also, if you have dependents, you’ll want to provide a replacement for any income

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