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
10 Health and Lifestyle Factors That Can Impact the Cost of Life Insurance
10 Health and Lifestyle Factors That Can Impact the Cost of Life Insurance
Life insurance is an essential investment for those looking to protect their loved ones financially
in the event of an unexpected death. However, obtaining a life insurance policy is not always a
straightforward process, as several factors impact the premiums you may be offered. One such
factor is your health and lifestyle. Here are some of the ways that health and lifestyle factors
can affect life insurance premiums.
1. Age: As you age, the risk of death increases, which means that life insurance premiums
generally increase with age. The earlier you obtain a life insurance policy, the more
affordable it is likely to be.
2. Health history: Insurance companies will ask about your medical history, including any
pre-existing conditions or chronic illnesses you may have. If you have a history of serious
health problems, you may be considered high-risk and have higher premiums.
3. Tobacco use: If you are a smoker, you will likely pay higher premiums for life insurance.
Smoking has been linked to several health problems, including cancer, heart disease,
and respiratory illnesses, which increases the risk of death.
4. Alcohol use: Excessive alcohol consumption can also lead to several health problems,
such as liver disease and high blood pressure. As a result, heavy drinkers may be
considered high-risk and pay higher premiums.
5. Obesity: Being overweight or obese can increase the risk of several health problems,
including heart disease, diabetes, and stroke. As a result, individuals with a high body
mass index (BMI) may pay higher premiums for life insurance.
6. Occupation: Certain occupations, such as those that involve working with heavy
machinery or at heights, are considered high-risk and may result in higher premiums.
7. Hobbies: Engaging in risky hobbies or activities, such as skydiving or scuba diving, can
also result in higher premiums.
8. Family history: Insurance companies may also consider your family history when
determining premiums. If several family members have a history of certain health
problems, such as heart disease or cancer, you may be considered higher risk.
9. Gender: In general, women pay lower premiums for life insurance than men, as they
have a longer life expectancy.
10. Driving record: Insurance companies may also consider your driving record when
determining premiums, as individuals with a history of accidents or traffic violations may
be considered higher risk.
Several health and lifestyle factors can impact life insurance premiums. It is
important to be upfront and honest with your insurance provider about your health history and
lifestyle habits to ensure that you are receiving an accurate quote. By living a healthy lifestyle
and taking steps to manage any chronic health conditions, you may be able to secure lower
premiums for life insurance coverage.
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