Our services
Three levels of guidance, built to meet you where you are.
Need focused guidance without a full engagement? A 60-minute consultation is available.
Foundation
Complete Personal Insurance Review
A full review of every policy you carry to identify gaps, overlaps, weak spots, and opportunities for improvement.
Comprehensive Coverage Optimization
I rebuild your protection, so it fits your real-world needs, eliminating unnecessary coverage and avoiding wasted premium.
Independent Shopping & Carrier Comparison
I compare multiple companies with zero bias to find the strongest combination of rate, stability, and coverage.
Carrier Change Navigation & Transition Oversight When switching companies, I ensure nothing falls through the cracks—no missed cancellations, no double charges, and no gaps in coverage.
Foundation Renewal Option Your foundation membership covers your full review and setup. If you return later to renewal reshop, there is a simple flat renewal fee (not another full Foundation purchase).
Foundation Photo-Coordination Perk If a carrier requires photographs and you can't take them; I can coordinate a third-party photo service for you at cost.
Life Event Forecasting & Future Coverage Planning
You can submit upcoming life changes (home purchase, child moving out, new vehicle, etc.), and I prepare your coverage strategy ahead of time so everything is ready before the event happens.
Personalized Risk Alerts & Trend Monitoring
I actively monitor relevant risk shifts, rate trends, carrier movements, and new discounts in your area or risk profile—alerting you when something may affect your insurance pricing or options.
Semi-Annual Life Change Insurance Audit
Twice a year, I review your household, vehicles, and major life changes to ensure your coverage stays aligned and cost-efficient.
Pillar Renewal Service When you receive your renewal, I will:
-Review the renewal for accuracy.
-Identify rating changes, new discounts, or risk adjustments.
-Perform a targeted renewal reshop upon request.
-Provide clear guidance on whether switching carriers is in your best interest.
However:
Pillar renewals do not include carrier communication, paperwork handling, or proactive renewal work. All transition steps remain your responsibility unless you upgrade.
Pillar Photo-Coordination Perk If third-party photos are required, you receive 50 percent off the coordination cost.
After purchase, a member of our team will contact you directly to introduce themselves and schedule your consultation at a time that works for you.
Priority Direct Line & Instant Response Channel
You receive priority call and text access for immediate guidance—first-in-line response when unexpected issues arise.
Shared Membership Benefit for One Additional Family Member
You may add one family member at no cost. They receive the full Foundation tier benefits for an entire year.
Annual Full-Service Renewal Reshopping & Carrier Communication
Your renewal is handled personally and proactively from start to finish.
This includes:
• Beginning renewal work 45–60 days before the renewal date
• Contacting your carrier directly (with signed Third-Party Authorization)
• Requesting rerates, corrections, and discount reviews
• Obtaining early renewal documents
• Full reshop of all available carriers
• Managing paperwork, cancellations, mortgage updates, and transition steps
• Presenting the cleanest, most cost-effective renewal path available
This is the highest-touch renewal service available—far beyond basic reshop. You never lift a finger.
Elevate Photo-Coordination Perk
If photos are required for underwriting, full coordination is included at no cost.