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 Things To Consider Before Purchasing Life Insurance
4 Things to Consider Before Purchasing Life Insurance
Life insurance is an essential tool that can provide financial protection for your loved ones in
the event of your untimely death. However, with so many options available, it can be
overwhelming to choose the right policy. Before purchasing life insurance, here are four things
to consider:
1. Determine your coverage needs: Before you start shopping for life insurance, it's
important to assess your coverage needs. Think about how much money your loved
ones would need to maintain their current lifestyle if you were to pass away. Consider
factors like mortgage or rent payments, utility bills, education expenses, and other
monthly expenses.
2. Choose the right type of policy: There are several types of life insurance policies to
choose from, including term life insurance, whole life insurance, and universal life
insurance. Each type of policy offers different benefits and premiums, so it's important
to choose the one that fits your coverage needs and budget.
3. Research insurance companies: It's important to research insurance companies and
choose a reputable and financially stable company. Check the company's financial
ratings, customer reviews, and complaint history to ensure you are choosing a reliable
insurer.
4. Understand the policy details: Before purchasing a policy, be sure to read and
understand the policy details. Know what is covered and what is excluded from the
policy. Understand the premiums, payment schedule, and any penalties or fees for
cancellation.
Purchasing life insurance is an important decision, and it's essential to take the time to
understand your coverage needs and choose the right policy. By considering these four things
before purchasing life insurance, you can make an informed decision and provide financial
protection for your loved ones.
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