I manage six coverage lines and personally quote, write, and service every policy without file transfers or third-party intermediaries.
Auto
I quote liability, collision, comprehensive, and uninsured motorist coverage across multiple carriers on a single comparison sheet. Multi vehicle households, teen drivers, and high mileage commuters all receive separate rate runs.
Home
I calculate dwelling, personal property, liability, and named peril endorsements from current replacement materials. Flood and wind coverage is layered appropriately for Louisiana risk zones.
Health
I compare Marketplace, off exchange, and short term medical plans on network depth, deductible exposure, and out of pocket projections. I verify subsidy eligibility before any application is submitted.
Medicare
I review Original Medicare, Supplement, Advantage, and Part D plans with annualized cost projections. I check drug formularies against each client's current prescriptions before recommending a plan.
Life
Term, whole, and indexed universal policies underwritten with carriers matched to age and health profile. Coverage amounts are calculated against income replacement, debt obligations, and family structure.
Business
General liability, BOP, commercial property, workers compensation, and professional liability layered by class and risk exposure. Class code is verified before binding to avoid audit surprises.
I draw carriers from a panel of top rated national and regional insurers appointed for each coverage line. Every comparison sheet I produce includes the carrier name, AM Best rating, and policy form number so clients can independently verify the source of each quote.
I review multi line bundling on each file where it applies. Bundled pricing is included on the comparison sheet alongside standalone options, so the actual cost difference is visible before a decision is made.
After binding, I issue a confirmation packet with the policy declaration page, payment schedule, and a plain language summary of major coverages and exclusions. I keep the file active for renewal review and claim assistance throughout the policy term.
I walk new Medicare enrollees through Original Medicare Parts A and B before introducing Supplement, Advantage, and Part D options. I cross reference the current prescription list against drug formularies to produce an annualized out of pocket projection for each plan.
Mid term endorsements are available for most commercial lines. I can typically report payroll, revenue, or property additions to the carrier and reflect them in an updated premium calculation without waiting for the annual renewal date.
Submit intake details for any of the six coverage categories and I will return a side by side worksheet with premiums, deductibles, key exclusions, and carrier ratings on a single sheet.
