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 Tips to Maintaining Your Life Insurance Policy
4 Tips to Maintaining Your Life Insurance Policy
When it comes to life insurance, it's not just about buying a policy and forgetting about it. You
need to make sure your policy stays active and continues to provide coverage as long as you
need it. Here are four tips to help you maintain an ongoing life insurance policy:
1. Review your policy regularly:
Life changes, and your insurance needs may change as well. It's important to review your policy
periodically, perhaps every year or every time you experience a major life event, to make sure it still
meets your needs. If you've had a child, gotten married or divorced, or started a business since you
first purchased your policy, you may need to adjust your coverage.
2. Pay your premiums on time:
It may seem obvious, but one of the most important things you can do to maintain your life insurance
policy is to pay your premiums on time. Missing payments or allowing your policy to lapse can result in t
he loss of coverage, and may make it more difficult or expensive to purchase a new policy in the future.
3. Keep your beneficiary information up to date:
Just like your policy, your beneficiary designations may need to be updated from time to time. If you've
gotten married, divorced, had a child, or experienced any other major life changes, you may want to
review your beneficiary designations and make sure they reflect your current wishes.
4. Notify your beneficiaries:
Lastly, it's important to make sure your beneficiaries know about your life insurance policy and how to
make a claim. You may want to provide them with a copy of your policy or at least let them know where
to find it. If you've named a minor as a beneficiary, you may need to set up a trust to manage the
proceeds of the policy until they reach adulthood.
By following these tips, you can help ensure that your life insurance policy stays in force and
provides the protection you and your loved ones need
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