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Frequently Asked Questions
FAQ
Ten Common Questions
We are compensated through commissions that are already built into the premiums of the insurance programs we offer. There are no additional costs to you for using our services.
We partner with established agencies and networks that provide us with the same level of resources and support as larger insurance brokers, ensuring you receive comprehensive service and up-to-date information.
Howard Coates has over 10 years of experience in the insurance and employee benefits industry, including roles at two of the world’s most prestigious consulting firms; Mercer and HUB International. This background gives him deep insight into both large-scale solutions and the needs of small businesses.
In addition to Howard’s consulting experience, he has owned and operated four small businesses. Howard understands the challenges from both the client and advisor perspective, and is committed to delivering practical, personalized solutions.
In addition to insurance solutions, Howard has strong relationships with CPAs, law firms, payroll providers, real estate professionals, mortgage specialists, bankers, and other trusted advisors. He can connect you with these resources to support your broader business and personal needs.
Absolutely. We work with a wide range of top-rated insurance carriers and provide side-by-side comparisons to help you find the best fit for your needs and budget.
We offer year-round support, including help with claims, billing questions, policy updates, and annual reviews to ensure your coverage continues to meet your needs.
Yes, we provide compliance resources and employee education materials to help your business stay on track and your team understand their benefits.
We pride ourselves on being highly accessible and responsive. You can reach us directly by phone, email, or virtual meeting, and we are committed to timely follow-up; whether you have a quick question, need help with a claim, or want to review your coverage.
Absolutely. Whether you experience a change in employment, family status, or health, we are here to review your coverage and recommend adjustments as needed. Our goal is to ensure your benefits and insurance always align with your current situation and future goals.
VIDEO CONFERENCE/PHONE CALL
Schedule a Meeting
Connect with an expert and get your questions answered, free. We offer video conferences of 30, and 60 minutes and 30 minute phone calls.