We started in the insurance business 22 years ago, and we specialize in two specific areas. Both have provided our clients with significant, measurable value over time, while giving E.F.W. Insurance the opportunity and the privilege to help hundreds of clients.

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Here Are The Two Areas of Insurance Where We Specialize:

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Senior Health & Prescription Drug Plans

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For seniors who need to enroll in a Medicare Advantage or Medicare Supplement health & prescription drug plan, the process is often confusing and frustrating at best. We are experts with these health plans and we truly enjoy working with our seniors. Here are just a few things we believe are critical in helping seniors find the plan that is right for them:

1. We strive to meet in person with every senior. In that first appointment, we listen carefully, answer every question and explain as a starting point what Standard Medicare Parts A & B cover because most seniors do not know what they cover.

2. Sometimes in that first appointment, we then present the specific insurance carriers we represent for senior health plans and the plans that are available for each carrier. We then review the entire enrollment kit for each plan with our client, and again answer all questions. 

3. We only work with two carriers for senior health plans, both of which have been offering senior health plans since they were first offered in 2003. (Other come in and out of the senior health & prescription drug market, and this just creates more confusion for seniors.)

4. The two carriers we work with also have extensive networks of participating hospitals, clinics, doctor’s offices, laboratories and others who honor all of the plans we offer ‘in network’ for our clients. It is essential for our clients to pay 'in-network' prices for their health & dental coverage.

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Life Insurance

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As an independent agency, when we are helping someone with Life Insurance, we go out to a minimum of 6-10 top carriers and have them submit competitive bids for your coverage. In addition to driving premiums down through competition, this has also given E.F.W. Insurance the opportunity to build solid relationships with some of the top Life Insurance Carriers in the world. These ‘relationships’ often come into play when our clients need help with customer service or for other reasons because they know they can call us directly with questions and concerns, rather than dialing an '800 number' and hoping they will get to speak with a live person!

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We handle the following types of insurance:

1. Term Life Insurance

2. Whole Life Insurance

3. Final Expense Life Insurance

4. Simplified Issue Life Insurance

5. Guaranteed Life Insurance

6. Business ‘Key Person’ Life Insurance

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For help with senior health insurance and life insurance please give us a call or send an email!

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