What makes us unique is simply being honest. We approach each client, situation, question, problem, issue and each new day with complete honesty. We sit down with people to go over their needs, situation and their issues. We answer their questions in a relaxed atmosphere where the pressure to buy is replaced with the opportunity to learn. This is our niche and why we have been in business for over thirty years: as time goes on just being honest is becoming rare.

Most know that nothing is free and if it says it's free there is a cost somewhere along the line. Some people like to put a spin on things to make them sound better. Some companies offer free gifts to ‘sign up’ with them. True Personal Service is the only free gift our Agents offer.

Our Agents can come and visit you for free and provide you an opportunity to voice your thoughts and ask questions. The only cost is if you decide to purchase a policy and the cost of that policy will not change because you purchased it through us. The only thing that does change is this: if and when you have a question, or a problem, or a claim, or an issue, you will have us to call to get an honest answer from.

Life Is The Greatest Gift You Can Give. It can also be the greatest gift you receive. I know because I received this gift. I had a catastrophic injury to my cervical spine and donor bone is the reason I can walk and talk today. Without the Gift of Life, I would have been a quadriplegic on a ventilator. My name is Joe Rothpearl. I am a donor recipient and a Proud Partner with Donate Life New York State (Click to Register Here!!!)

Auto and Home Insurance is going up nationally and especially in New York State. If you have a lapse in auto insurance coverage it will be extremely difficult to secure affordable coverage and in some cases any coverage at all. Most insurance companies require you to have current insurance in place before switching to another carrier. If you do not currently have insurance, you will be denied by most companies.

How did this happen? There are a lot of answers, but the main reason is cost effectiveness. Insurance companies lose money from bad risks and the less bad risks they insure – the more profitable they are. You will be seen as a bad risk if you do not currently have insurance coverage for the last year or two. Some insurance carriers will charge a higher premium if your coverage was cancelled or lapsed. That is if they can underwrite you at all.

If you get a cancellation notice from your insurance company, Do Not Ignore this Letter!!! Your best option is to try to keep your existing coverage. Contact them and ask if you can stay by making a payment (and late fee if any). Your immediate next step is to start looking for other coverage. Remember you need to have coverage in order to change your coverage.