Many people don't consider the importance of isnurance in an overall financial plan.   But the fact is, no matter how hard you work to build wealth, failure to purchase adequate insurance can be your undoing.   On the other hand paying, paying for insurance you don't need can also drain your budget.   Finding the right balance could be a challenge.     
       
    Sitting down with an INDEPENDENT AGENT  like Hartman and Lally Insurers, Inc., can help you in determining what coverages you need and what you DON'T NEED.  Independent agents can check prices from many different companies, and get the most reasonable cost. 

Here are some facts about independent agents:


 -Independent Agents own their own business, they are not employees of any insurance company. 

 -Independent Agents sell many different types of insurance,  from personal to business to volunteer fire company, life,  Recreational Vehicle, Boats, Hazardous Material Handlers, etc.   Being that they work with many different companies, Independent Agents can provide many different types of insurance. 

 - Independent Agents find better rates because they do not work for one company and spend the time comparing coverages and costs with many companies to get you the coverage you need at an attractive price.

 - Independent Agents stay informed with their customers, changing their policies as their situtations change such as marriage, new family members buying cars and any other life change you can think of.


Some questions to ask your independent agent:  

What type of policy is right for me?

How do rates from different companies compare?

Are there other ways to save?