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
Life Insurance for Military Families: Coverage Options and What to Consider
Life Insurance for Military Families: Coverage Options and What to Consider
Military families live with a level of uncertainty that most people never have to think about.
That’s exactly why having the right life insurance in place isn’t just important it’s essential.
The good news? There are solid options available. The key is understanding how they work and where gaps might exist.
Let’s walk through it.
Life Insurance Options for Military Families
There are a few core programs specifically designed for military members and their families.
1. Servicemembers’ Group Life Insurance (SGLI)
SGLI is the foundation for most active-duty service members.
It provides affordable coverage up to $400,000 and is automatically available to those serving.
For many families, this is a great starting point. But depending on your situation, it may not be enough on its own.
2. Family Servicemembers’ Group Life Insurance (FSGLI)
FSGLI extends coverage to your family.
Spouses can be covered up to $100,000
Dependent children are typically covered up to $10,000
It’s a simple way to add a layer of protection for your household, especially if something unexpected happens.
3. Veterans’ Group Life Insurance (VGLI)
When transitioning out of the military, VGLI allows you to continue your coverage.
You can convert your SGLI into VGLI without needing a medical exam (if done within the required timeframe), which can be a huge advantage especially if your health has changed.
Important Things to Consider
Having access to these programs is great, but choosing the right coverage takes a little more thought.
4. Deployment Changes Everything
Deployment can shift your risk level and your family’s financial needs.
Where you’re going, how long you’ll be there, and what your role looks like all play a part.
This is a good time to review your coverage and make sure it actually matches your current situation—not what it looked like a year ago.
5. Pre-Existing Health Conditions
Health history always matters with life insurance.
The upside for military families is that programs like SGLI and VGLI can make coverage accessible even if you have medical conditions.
If you’re looking at private coverage outside of military programs, this is where strategy really matters because different companies evaluate health very differently.
6. Keeping Your Beneficiaries Updated
This one gets overlooked more than it should.
Life changes marriage, kids, divorce and your policy should reflect that.
Making sure your beneficiaries are up to date ensures the right people are protected if something happens.
7. Military-Specific Risks
Military service comes with unique risks depending on your role.
Combat exposure, hazardous environments, and specialized duties can all factor into how much coverage you should have and whether additional protection outside of military programs makes sense.
The Bottom Line
Military life insurance programs like SGLI, FSGLI, and VGLI provide a strong foundation.
But for many families, they’re just that a foundation.
The real goal is making sure your coverage fully protects your family, no matter what comes next.
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