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.
We offer diverse dental and vision coverage to meet your budget and health needs. With online enrollment and rates based on location instead of age, you are sure to find the perfect fit.
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.
You insure your home and your car—but your income and earning potential are more valuable than any possession. Think of disability income insurance as protection for your paycheck.
Business Solutions
Group benefits such as health, retirement, and wellness solutions, help to foster employee satisfaction, loyalty, and productivity while reducing turnover and keeping your business competitive.
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.
Offer your employees a course taught by a CFEd® certified instructor. Whether your employees need help with retirement, cash flow planning, or debt management, or other important areas of financial education, we can help.
Read Our Latest Blog Posts
4 Reasons Why People Don't Get Life Insurance
4 Reasons Why People Don't Get Life Insurance Coverage
Life insurance is an essential financial planning tool that can offer peace of mind to individuals
and their families. However, despite the numerous benefits of having life insurance, many
people do not have coverage. Here are four reasons why people don't have life insurance
coverage:
1. Cost
One of the primary reasons why people don't have life insurance coverage is the cost. Many
people believe that life insurance is too expensive and they can't afford it. However, the cost of
life insurance can vary depending on a variety of factors, including age, health, and the type of
policy. In fact, term life insurance can be quite affordable, especially for younger and healthier
individuals. It's important to shop around and compare policies to find a life insurance policy
that fits your budget.
2. Lack of awareness
Another reason why people don't have life insurance coverage is that they are not aware of the
importance of having life insurance. Some people may not understand the financial risks their
families may face in the event of their premature death. Others may not be aware of the
different types of life insurance policies available and their benefits. As a result, they do not see
the value in purchasing a life insurance policy.
3. Health concerns
Some people may not have life insurance coverage because of underlying health conditions.
Life insurance companies evaluate an individual's health when determining their insurability
and premium rates. If an individual has a pre-existing condition or a high-risk job, they may be
denied coverage or charged a higher premium rate. In some cases, individuals with health
concerns may opt for a guaranteed issue life insurance policy, which typically has higher
premiums and lower coverage amounts.
4. Procrastination
Lastly, some people may not have life insurance coverage because they procrastinate. They
may put off purchasing a life insurance policy because they think they have plenty of time or
they do not want to confront the possibility of their own mortality. However, procrastination
can be costly, especially if an unexpected event occurs. It's important to take action and
purchase a life insurance policy as soon as possible to protect yourself and your loved ones.
Life insurance is an important financial planning tool that can provide peace of
mind and protection for you and your loved ones. While there are many reasons why people
may not have life insurance coverage, it's important to understand the risks and benefits of
having a policy. By shopping around and finding a policy that fits your needs and budget, you
can ensure that your loved ones are protected in the event of your premature death.
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.
Our Trusted Partners
Life - Annuity - Health
Home - Auto - Business
Our Trusted Partners
Life - Annuity - Health
Home - Auto - Business
Office:
450 St. John Rd. #2039
Michigan City, IN 46361
Call or Text:
219-259-5835
Email: [email protected]
Site:
www.bairandassociates.com