Personal, Business and Private Client help cost you nothing; the insurance company pays me, and your premium is the same as buying direct. How I’m paid.
For you and your family.
$0you pay only your premium
For business owners in New York.
$0you pay only your premium
One licensed agent for everything you insure in New York, by invitation or request.
$0Complimentary for households with several policies
Medicare plan help is free for everyone and stays separate.
Questions are always free. Calling me about your policy, a bill, a letter or a claim never costs anything, whichever package you’re in.
Free really means free. The insurance company pays a commission that’s already in the premium, so you pay the same as buying direct. How I’m paid, in full.
Everything in each package, in one table. If you own a business, you can be both; both are $0.
| Personal$0 | Business$0 | Private Client$0 | |
|---|---|---|---|
| Free for everyone | |||
| Medicare plans compared, enrollment and a re-check every fall | Included | Included | Included |
| Social Security claiming analysis | Included | Included | Included |
| Questions, policy changes and claim help | Included | Included | Included |
| Quoted across the carriers I represent | |||
| Home, auto, renters and umbrella | Included | Not included | Included |
| Life insurance, and health coverage under 65 | Included | Not included | Included |
| Workers’ comp, DBL and Paid Family Leave, liability, property and commercial auto | Not included | Included | Included |
| Lease and contract clauses checked, certificates the same day when the policy complies | Not included | Included | Included |
| Private Client adds | |||
| One licensed agent across your household and business | Not included | Not included | Included |
| A yearly review of every policy you own, side by side | Not included | Not included | Included |
| Social Security and insurance timing, coordinated with your accountant | Not included | Not included | Included |
| Coordination with your accountant and attorney | Not included | Not included | Included |
| Priority scheduling | Not included | Not included | Included |
| What you pay | $0 | $0 | $0 |
Short answers to what people ask before they call.
Still have a question? Call (518) 902-8822 or book a call.
Yes. For every client, Private Client included, the insurance company pays me a commission that is built into the premium, and the premium is the same whether you buy through me or directly. The Social Security claiming analysis is free too. The full explanation, including how commissions work, is on the What it costs page.
Please do. Questions about your policy, changes, certificates and help with a claim are part of the service and never cost anything.
A yearly insurance review for people who want one licensed agent across their household and their business, with Social Security and insurance timing coordinated with their accountant. It costs nothing: like all my help, it's paid by the insurance companies' commissions. Medicare plan help stays free and separate.
Not sure which package fits?
One free call is enough to tell. All of them are $0.
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 81 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE (TTY 1-877-486-2048) is available 24 hours a day, 7 days a week.
