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 Benefits of Simplified Issue Life Insurance
5 Benefits of Simplified Issue Life Insurance
Simplified issue life insurance is a type of life insurance that offers coverage without requiring a
medical exam or extensive underwriting. This type of insurance can be a good option for those
who are looking for coverage without the hassle of a medical exam. Here are five benefits of
Simplified issue life insurance:
1. Easy application process
One of the most significant benefits of Simplified issue life insurance is the application process.
Unlike traditional life insurance policies that require a medical exam and extensive
underwriting, Simplified issue life insurance typically only requires basic health information. The
application process is straightforward, and policies can often be issued quickly.
2. No medical exams
Another significant benefit of Simplified issue life insurance is the absence of a medical exam.
This can be especially appealing to those who have a fear of medical procedures or have a
pre-existing medical condition that could affect their ability to obtain coverage. With Simplified
issue life insurance, you can secure coverage without the stress or inconvenience of a medical
exam.
3. Fast approval
With Simplified issue life insurance, the approval process is typically much faster than
traditional life insurance policies. Since there is no medical exam, the underwriting process is
much simpler, and policies can be approved quickly. This can be especially beneficial for those
who need coverage quickly or who have an urgent need for life insurance.
4. Higher coverage limits
Simplified issue life insurance often has higher coverage limits (up to $50,000 or more) than
Guaranteed Issue life insurance. This can be a significant benefit for those who
are on a budget and need mor coverage than a Guaranteed Issue policy can provide.
5. Permanent coverage
Simplified issue life insurance policies are frequently built with whole life insurance. This means that
as long as you pay your premiums, your coverage will not expire, and your policy will remain in
effect. This can provide peace of mind to those who are looking for long-term life insurance
coverage.
In conclusion, Simplified issue life insurance can be a great option for those who are looking for
affordable, easy-to-obtain life insurance coverage. With no medical exams and fast approval.
Simplified issue life insurance can provide the coverage you need without the hassle of traditional life
insurance policies. Want to explore Simplified Issue life insurance? Schedule a time with us!
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