Insurance Services
Auto Insurance
Auto insurance is sometimes a real bother for most car owners. There are the state laws that mandate having a policy in place before getting behind the wheel... more
Life Insurance
Life insurance health ratings are determined on current and past health history. These ratings take into account why you are seeing a doctor, the types of... more
IRAs
IRAs have been popular among taxpayers. For example, during the years in which all taxpayers were eligible to contribute to IRAs, about $40 billion in savings... more
Circle of Wealth
The Circle of Wealth system is built around a simple, 10-step planning process combined with software modules that serve as a "visual storyboard" to... more
Health Insurance
Health insurance is a type of insurance that pays for unexpected or high medical expenses. It can be purchased from a government-sponsored social... more
Medicare Supplement
Medicare supplemental insurance, also called Medigap, is designed to fill some of the gaps in coverage left by Medicare. Private insurance companies, not... more
Wealth Transfer Strategies
The best wealth-transfer strategy is to get informed and be educated. You can educate yourself online by researching what lead to a financial crisis so... more
Commercial Auto Insurance
Commercial auto insurance protects your company from the exposures of liability for bodily injury or property damage resulting from the use of a motor... more
Homeowners Insurance
Homeowners insurance, also called property insurance, protects the homeowner from weather-related damage, as well as potential liability from events... more
Annuities
Annuities can be structured to provide fixed periodic payments to the annuitant, or variable payments. The intent of variable annuities is to allow the... more
Deferred Compensation Plans
Deferred compensation plans can be purchased from insurance and investment companies at The Insurance Smith. Investment options vary. Insurance... more
Workers Compensation Insurance
Worker's compensation insurance pays the bills for reasonable medical care for a worker injured in the course of employment, including doctor visits,... more
Disability Insurance
Disability insurance replaces a portion of your regular income when accident or illness keeps you from working. It's usually offered as short-term coverage... more
401K / Employee Benefits
Individual 401k salary deferral contributions can be made as Roth 401k (after tax) or Traditional 401k (pre-tax) deposits. The basic difference between a Roth... more
General Liability Insurance
General liability insurance covers claims of bodily injury and property damage only, and typically excludes coverage for claims related to the delivery of... more
Commercial Umbrella Insurance
Commercial umbrella insurance is also known as "excess liability" insurance. It is a secondary policy that covers a wide variety of contingencies. The purpose... more
