SMC Insurance

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Agent

I'm currently licensed in California as a Life & Health insurance agent.

Commerial Property & Casualty: In Colorado, I write commercial liability policies for large businesses and "BOPs" for small businesses.

Personal Lines: I write homeowner's and renter's policies, auto insurance and numerous specialty policies, including pets, wine collections and specialty property like yachts and RVs.

Financial Tools: I formulate fantastic life insurance policies that offer tax-free distributions, loan arrangements and conservative-to-aggressive growth with downside protection from market fluctuations. These can even include unique debt management solutions to fill the gaps.

Life

Whole Life, Term... They cover your beneficiaries in the event of your death. How do they work? Let's talk.

Annuities, etc.

If you prefer not to outlive your money or be a victim of market losses, we have methods. We use life insurance as much more than a death benefit.

Worker's Compensation

You can find coverage for employees who hurt themselves off the job, on the job or both.

Long-Term Care/Funeral Expenses

There's assistance available for these self-explanatory circumstances.

My Best Advice?

Be careful about "Googling" for insurance benefits. The first page of search results will be ad-based. The second page will likely make you unsubstantiated promises.

I'll tell you once and I'll tell you again: Obtaining an immediate price quote in the life & health insurance world is a dreadfully misleading exercise. There's simply not enough information that a web form can extract from you.

The only way to receive accurate information is to speak with a benefits counselor (that's me) who can offer you what you truly needas opposed to, well, what (s)he will make the most money on.

Time for honesty. Time for transparency.

I wound up selling things for most of my adult life. Didn't initially want to. Found out I could do it fairly well. Spent years in various "boiler room" scenarios and identified far more as a consultant, often to the chagrin of my employers.

Through it all, I've learned a lot - but about what? I'd say that my chief takeaway has been identifying what's helpful to people, including my actual treatment of those I meet and do business with.

Therefore, according to the Golden Rule, I sleep better at night when I live according to a more guidance-oriented ethic than pushing people to buy the widget or the idea. I get behind goods & services that will ultimately help people live better lives. That's why I sell the above types of insurance - and only what & how much makes sense. So if you'd like to chat & learn, I'm here to help. At the same time, my time is as valuable to me as yours is to you.