Is Life or Disability Insurance Right for Your Family?

There are many good reasons to establish life and disability insurance, but the main reason always adds up to protecting the financial future of your family, your business, or your estate.

Are You Considering Life Insurance?

Let us help protect you, your business, or your estate with an affordable term or permanent life insurance plan that puts you in control of your finances.

For Your Family

Protect your loved ones no matter what the future holds.

Right-Size Your Coverage

The right life insurance policy is thoughtfully designed to cover final expenses, your children’s education funds, spousal income replacement as well as debt relief. It can serve as the right kind of support your family needs — at a time when they need it most.

For Your Business

Key executive insurance should be part of your plan.

Protect Your Business

With the right insurance in place, surviving business partners will have enough capital and income replacement to keep the business afloat while looking for a replacement in a key position. Alternatively, funds can be used to buy out the heirs of the deceased partner.

Get Free Information

We’ll explain your options for insurance
coverage right away. 

What About Disability Income or Income Protection Insurance?

Protect yourself in the event that sickness or injury inhibits your ability to work or produce an income that matches what you currently earn.

Disability Insurance, also called paycheck protection, replaces a portion of your income to help you pay your bills and maintain your standard of living while you recover from, or deal with an ongoing disability. Loss of income can have devastating effects whether you are out of work for weeks, months or years. Not only does a disability interfere with paying expenses, it keeps you from saving money for the future. Disability insurance can help prevent that.


This type of insurance protects against major, but relatively brief, disabilities such as those suffered from an accident or a non-terminal illness.


Short-term disability insurance is only a portion of how you would protect your income in a situation where you cannot work. Typically, you would rely on additional means of income such as emergency savings, workers’ compensation, paid leave and other forms of insurance in conjunction with short-term disability income. These policies can provide critically important funds if you are willing to accept a shorter benefit period to keep the premium as low as possible.


This insurance provides comprehensive, long-term income replacement that can take into consideration your occupation, future earnings, cost of living and survivor benefits.


The amount that is paid out, and for how long, depends on your long-term disability policy. The amount and duration of benefits determine the cost of your policy. On average, it will cost between 1-3% of your annual salary for your long-term disability insurance. Overall, disability benefits reduce the risk of financial trouble if you become disabled. There are no restrictions on how you can use the money; you don’t have to pay it back. Let us help you select the right policy for your needs.



We are experts on the options available to you and your family. We’ll earn your trust with our free consultation.



We’ve helped thousands of people navigate the confusing world of insurance coverage options.



You can count on us to make objective recommendations that are in your best interest.


We’ll find the plan that’s right for you.

Testimonials and Reviews

 Sitting down with Jeff is like sitting down with a friend. He makes the whole process easy and pleasant. Although I had done much of my research before my appointment, it felt very valuable that he agreed with me that what I had chosen was the best plan for me. Last year I had an unexpected source of income that I had to report, and he also was very knowledgeable in helping me to report it and know what to do to avoid a big surprise charge at tax time. I would highly recommend his services.

Marsha Zahm

 Although I now register for Marketplace health care plans on my own, Shonna was marvelous to work with when I was first trying to figure it all out. I highly recommend the services that Tomlin offers. They are a very professional, but friendly, company to work with.

Laura Jaszkowski

 Very helpful and very knowledgeable in the confusing area of purchasing medical health insurance. Always seem very eager to help!

Amy Dunn

Jeff and Shari provide very thorough knowledge regarding our unique health insurance needs. They seem to always be aware of every new thing there is to learn in the world of health insurance. There office is hospitable and friendly and they go above and beyond to ensure the best for their clients. We have full confidence in them!

Christy Rice

Jeff and his team are very competent and will take the time to walk you through the many difficult insurance issues and needs that come up. We have worked with Jeff for many years!

Dealy Family

Jeff is amazing! He has helped us wade through our insurance options for years. He knows his stuff and is very easy to work with. I recommend him highly!


Get Free Information

We’ll explain your options for insurance
coverage right away. 

    What are you most interested in?


    • special needs planning

    Special Needs Planning & Life Insurance

    August 30th, 2017|Comments Off on Special Needs Planning & Life Insurance

    If you have a juvenile or adult special needs child, you understand how much extra help they need in life. What would happen to them [...]

    • life insurance

    Life Insurance Basics

    August 30th, 2017|Comments Off on Life Insurance Basics

    The most basic purpose of Life Insurance is to replace the income of a loved one who has died. In my industry, we call this [...]