We are your trusted partner
We are fully independent which means we are loyal to our clients, not the companies we represent. When you choose to work with us, you can rest assured that we will do all of the heavy lifting.
About Our Agency
Our mission is to empower our clients with the knowledge to make the best decisions for themselves, their families, and their businesses. We always put our clients first.
We review your complete financial plan
Investment professionals want to sell you investments. Insurance professionals want to sell you insurance. We want to understand your entire financial puzzle, not just one piece.
Trusted Advice
Solid Solutions
Individual Solutions
Life insurance is the foundation upon which a solid financial future is built. We represent some of the most well-known names in the industry to find the right solutions for you.
Do you have over $7,000 in unsecured debt? Credit cards? Medical bills? Student loans? Back taxes? You may qualify to work with one of our debt resolutions specialists.
Whether you just started your first job or are planning to retire after 40 years, we have the tools that can help you accumulate wealth and protect your hard earned savings.
College funding is one thing, but college planning involves: skills assessments, college applications, grant and scholarship assistance, and a host of other complex tasks which is why we partner with the Heartland Institute.
Home and auto insurance provide financial protection against unexpected events like accidents, theft, and natural disasters, ensuring that you can recover and rebuild without facing significant financial hardship.
Traditional health insurance isn’t designed for healthy people. We save our clients an average of $8,000 a year. We design plans for people who live a healthy life. With a variety of healthcare solutions, we provide you with high-quality healthcare at an affordable rate.
Medicare is complicated. With an array of Medicare options and significant rate variations, we strive to simplify the process for you, and help you select the best choice.
Our team of certified professionals specializes in maximizing returns and minimizing liabilities, ensuring a stress-free tax experience with personalized attention and the latest tax insights.
Business Solutions
As an advocate for business, we aim to eliminate the burden that health insurance has been. We hear the struggles companies face, and our innovative solutions are designed to disrupt the industry with higher quality benefits at an affordable price
Whether you're seeking general liability, workers compensation, auto, cyber security, or any other line of coverage, we are here to help you protect your business. We can tailor your coverage to make sure you're getting exactly what your business needs.
We aim to assist businesses in managing financial records, tracking expenses, and following tax rules. With our help, businesses can simplify financial tasks and make smart choices to grow and succeed.
Have you ever wanted to expand your business or your message to different markets, but they didn't speak the same language as you? What if you could deliver your message in 104 languages?
Read Our Latest Blog Posts
4 Benefits of Group Life Insurance
4 Benefits of Group Life Insurance
Group life insurance is a type of life insurance policy that is purchased by an organization or
employer and provides coverage to a group of people, typically employees. While individual life
insurance policies offer a range of benefits, group life insurance policies also offer some unique
advantages of its own. Here are four benefits of group life insurance:
1. No medical exam required
One of the biggest benefits of group life insurance is that it often does not require a medical
exam. This can be especially beneficial for individuals with pre-existing medical conditions who
may have trouble obtaining individual life insurance coverage. Additionally, it can simplify the
enrollment process and make it easier for employees to obtain coverage.
2. Lower cost
Group life insurance policies are often less expensive than individual policies, since the cost of
the policy is spread out among a larger group of people. This can be especially helpful for
smaller businesses or organizations that may not have the resources to provide individual life
insurance policies for their employees.
3. Guaranteed coverage
Group life insurance policies often provide guaranteed coverage, which means that all
members of the group are automatically covered as long as they meet certain eligibility criteria,
such as being a full-time employee. This can provide peace of mind for employees who may not
have otherwise been able to obtain life insurance coverage.
4. Employer-paid premiums
In some cases, employers may choose to pay some or all of the premiums for group life
insurance coverage. This can be a valuable benefit for employees, as it provides them with
important coverage at little or no cost to themselves.
Overall, group life insurance can be a valuable benefit for both employers and employees. It
provides important coverage at an affordable cost, and can help to attract and retain talented
employees. If you are an employer or part of a group that is considering group life insurance,
schedule a time to talk with us about your options.
Let's work together!
Start with a complimentary financial needs analysis. This will give you a chance to meet us and to see how we can help you achieve your dream.
Companies We Represent
Life - Annuity - LTC
Nationwide - Gerber - John Hancock - Prudential -
Pacific Life - Transamerica - Protective - Principal - Allianz - Lincoln Financial - Mutual of Omaha -
And More!
Home - Auto - Business
Allstate - The Hartford - Safeco - AIG - Progressive - MetLife - Liberty Mutual - Travlers - National General - Foremost - State Auto - Assurant -
And More!
Office:
104 N. Main St. Middlebury, IN 46540
Call or Text:
219-259-5835
Email: karl.bair@bairandassociates.com
Site:
www.bairandassociates.com