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Thornton Powell Insurance Financial Services
Thornton Powell is a full-service independent insurance agency committed to providing our clients with sound risk solutions, expert advice and unrivaled service. Thornton Powell has specialized in car & group health insurance and employees benefits in Oak Forest, Chicago, Orland Park, Tinley Park, Oak Lawn, New Lenox, Joliet and the surrounding communities of Illinois since 1982.

We have a commitment to a high standard of excellence in all that we do. Our goal is to establish a firm relationship of mutual trust and service with each of our clients. Quickly and easily submit your request for a complementary insurance consultation using our easy to use website. As a customer, you will enjoy our suite of customer service forms all from your local agent.

Being an independent agency allows our agents to build a portfolio that best suits your insurance needs. Regardless of your financial history we're able to offer you comprehensive coverages ensuring you're protected. As an independent insurance agent we can offer the right coverages with the personal touch you would expect from your neighborhood insurance agent.
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As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage.
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
Should you have an emergency during non-business hours, you can call your insurance company directly.
Please contact our office directly with questions, or to report a death or disability claim.
During business hours, you can reach us by phone 708 597-2800 (option 6), or please feel free to email us.
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