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
Check Out The Insurance Company’s Financial Rating
Check Out The Insurance Company’s Financial Rating
When shopping for life insurance, one of the most important factors to consider is the financial
stability of the insurance company you are considering. An insurance policy is only as good as
the company backing it. One way to assess the financial stability of an insurance company is to check
its financial rating. A financial rating is an independent evaluation of an insurance company's financial
health and ability to meet its obligations to policyholders. Here are some things to keep in mind when
checking out an insurance company's financial rating:
1. Look for a reputable rating agency: There are several rating agencies that evaluate the
financial strength of insurance companies. Some of the most reputable include A.M.
Best, Moody's, and Standard & Poor's. Look for a rating from one of these agencies.
2. Check the rating scale: Each rating agency has its own scale for rating insurance
companies. For example, A.M. Best uses a scale that ranges from A++ (superior) to D
(poor). Make sure you understand the rating scale and what it means.
3. Consider the rating history: Check the insurance company's rating history to see if it has
consistently maintained a strong financial rating. A company that has a history of
fluctuating ratings may be a riskier choice.
4. Look beyond the rating: While a company's financial rating is important, it's not the only
factor to consider when choosing a life insurance policy. You should also consider the
company's customer service, policy features, and pricing.
Checking out an insurance company's financial rating is an important step in
choosing the right life insurance policy. Look for a reputable rating agency, check the rating
scale and history, and consider other factors beyond the rating. With a little research, you can
find a policy that provides both financial security and peace of mind.
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