We have been writing health insurance since September 1990.We write large and small groups as well as individuals. As independent brokers we pride ourselves in "shopping the market" for our clients. We understand that every business or individual has distinct needs; therefore, we try to customize the plans to suit each person or group. We also contact our clients at least 60 days before their renewal dates; so, in effect, we "reshop the market" every year. I'm sure you are well aware of the absurd rate increases the carriers impose every year. In most cases, however, we are able to keep the premiums similar to the previous year. We do this by either switching carriers or taking slightly reduced coverage with the existing carrier. We have earned the loyalty of our clients, some of whom have been with us for more than 20 years, by providing consistently excellent service. We hope to earn your loyalty also. Remember! "Our mission is to make a difference in at least one person's life every day!".