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
5 Tips to Choose the Right Life Insurance Beneficiary
5 Tips to Choose the Right Life Insurance Beneficiary
Choosing the right life insurance beneficiary is a crucial part of your overall financial planning.
The beneficiary you choose will receive the death benefit payout in the event of your passing,
so it’s important to make the right decision. Here are 5 tips to help you choose the right life
insurance beneficiary:
1. Understand the different types of beneficiaries:
There are two types of beneficiaries - primary and contingent. Primary beneficiaries are the first in line
to receive the death benefit payout, while contingent beneficiaries are next in line if the primary
beneficiary is unable to receive the payout.
2. Consider your family situation:
Your family situation plays a big role in determining your beneficiary. If you have a spouse and children,
you may want to name them both as primary beneficiaries. If you are single with no children, you may
want to name a close family member or friend.
3. Update your beneficiary regularly:
It’s important to update your beneficiary information regularly to ensure that your death benefit payout
goes to the right person. Life events such as marriage, divorce, or the birth of a child may require you
to update your beneficiary.
4. Consider the age of your beneficiary:
If your beneficiary is a minor, you may want to name a custodian to manage the payout until the
beneficiary comes of age. If you want to name a minor as a beneficiary, it’s important to consult with an
attorney to ensure that the beneficiary receives the payout in a way that best protects their interests.
5. Seek professional advice:
Choosing the right beneficiary can be a complex process. Seeking professional advice from your life
insurance agent or estate planning attorney can help ensure that you make the right decision for your
individual situation.
Choosing the right life insurance beneficiary is an important decision that can have a significant
impact on your loved ones. By understanding the different types of beneficiaries, considering
your family situation, updating your beneficiary regularly, considering the age of your
beneficiary, and seeking professional advice, you can ensure that your death benefit payout
goes to the right person in the event of your passing
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