Services
Insurance Solutions For Every Stage of YOUR BUSINESS & Life
Independent coverage across 100+ carriers — tailored to you, not to a company quota.
Life Insurance
Protect the people who depend on you most.
Life insurance is the foundation of any sound financial plan. As an independent broker, Ron shops across dozens of top-rated carriers to find the right policy at the right price — whether you need basic term coverage or a permanent policy that builds cash value over time.
Who It's For
Individuals, couples, parents, business owners, and anyone with dependents or financial obligations.
What's Covered
- Term life insurance (10, 20, 30-year)
- Whole life and universal life
- Final expense and burial coverage
- Key person business life insurance
- Mortgage protection policies
Medical Insurance
Comprehensive health coverage for individuals and families.
Navigating health insurance options can be overwhelming. Ron cuts through the complexity — comparing plans across carriers to find coverage that fits your health needs and your budget, whether you're self-employed, between jobs, or simply looking for better options.
Who It's For
Individuals, families, self-employed professionals, and those not covered by employer plans.
What's Covered
- Individual and family health plans
- ACA marketplace plans
- Short-term medical coverage
- Health Savings Account (HSA) compatible plans
- Supplemental health coverage
Senior Insurance
Medicare made simple — the right plan for your retirement years.
Medicare can be confusing, with dozens of plan options, enrollment windows, and coverage gaps. Ron specializes in helping seniors understand their options and enroll in the plan that best fits their health needs and budget — with no pressure and no hidden agendas.
Who It's For
Adults 65+ approaching or already enrolled in Medicare, and those with disabilities qualifying for early Medicare.
What's Covered
- Medicare Supplement (Medigap) plans
- Medicare Advantage (Part C) plans
- Medicare Part D prescription drug plans
- Annual enrollment period reviews
- Initial enrollment guidance and timing
Dental & Vision
Affordable coverage for the care most plans leave out.
Dental and vision costs add up fast without coverage. Ron finds standalone dental and vision plans that provide real value — from routine cleanings and exams to major procedures and corrective lenses — at rates that make sense for individuals and families alike.
Who It's For
Individuals, families, retirees, and small business owners looking for standalone or supplemental dental and vision coverage.
What's Covered
- Preventive dental care (cleanings, X-rays)
- Basic and major dental procedures
- Orthodontics and braces
- Annual vision exams
- Eyeglasses and contact lens allowances
Disability Income
Your income is your most valuable asset — protect it.
Most people insure their car and home but forget to protect their paycheck. Disability income insurance replaces a portion of your income if illness or injury prevents you from working — keeping your finances stable when you need it most.
Who It's For
Working adults, self-employed professionals, business owners, and anyone whose household depends on their earned income.
What's Covered
- Short-term disability coverage
- Long-term disability coverage
- Own-occupation disability policies
- Business overhead expense coverage
- Supplemental disability to employer plans
Long-Term Care
Plan ahead so your family doesn't have to.
Long-term care costs — nursing homes, assisted living, in-home care — can quickly deplete a lifetime of savings. Planning early gives you more options and lower premiums. Ron helps you find the right policy before you need it, so you stay in control of your care.
Who It's For
Adults in their 40s–60s planning for retirement, and families concerned about protecting assets from long-term care expenses.
What's Covered
- Traditional long-term care insurance
- Hybrid life/LTC combination policies
- In-home care and adult day services
- Assisted living facility coverage
- Nursing home and memory care coverage
Employee Benefits
Attract and retain great people with the right benefits package.
A competitive benefits package is one of the most powerful tools a business has for attracting and keeping top talent. Ron works with employers of all sizes to design group benefit programs that fit the company's budget while delivering real value to employees.
Who It's For
Small to mid-size businesses, startups, and employers looking to offer or improve group benefits for their workforce.
What's Covered
- Group health insurance plans
- Group dental and vision
- Group life and AD&D insurance
- Group short and long-term disability
- Section 125 / cafeteria plan setup
Business Insurance
Protect what you've built — from liability to key-person coverage.
Running a business means managing risk every day. Ron helps business owners identify coverage gaps and find the right mix of policies to protect their company, their employees, and their personal assets — without overpaying for coverage they don't need.
Who It's For
Small business owners, sole proprietors, partnerships, LLCs, and corporations of all sizes.
What's Covered
- General liability insurance
- Business owner's policy (BOP)
- Key person life and disability insurance
- Buy-sell agreement funding
- Commercial health and benefits packages
Not Sure Which Coverage You Need?
That's exactly what Ron is here for. As an independent broker, he'll assess your situation and recommend only what makes sense for you.
Contact Me For a Free Consultation