First established in Sacramento, California during 1990, the agency has been servicing the Charlotte, Lee, Sarasota and Desoto counties since 1999. David Stuto, the owner, has over 40 years of experience. Our priority is to properly fit a insurance program to your needs at a competitive cost and provide superior service to our clients through the years.
Contact me today to schedule a time and place for a discussion of your needs or just call. Your business is appreciated.
Contact me today to schedule a time and place for a discussion of your needs or just call. Your business is appreciated.
Services
Since each insurance company offers many different plans with varying costs, I feel it is my personal duty to help you find the right insurance company with the right coverage options and rates to suit your specific needs and desires.
Let me team up with you to create the best plan for you and your employees.
And you can be sure I will always be there to continue with the day by day service to you and your company.
Let me team up with you to create the best plan for you and your employees.
And you can be sure I will always be there to continue with the day by day service to you and your company.
All of the above companies offer the standardized plans as designed by the NAIC.
With all the choices you have for your health care coverage, it's important to understand how each one works, its benefits and your share of the costs.
Here's a brief look at how Medicare supplement insurance differs from other coverage.
5 Reasons to choose a medicare Supplement Insurance policy.
Every year, your medicare supplement insurance policy benefits coordinate with your Medicare benefits to help you meet eligible health care expenses, depending on the plan you choose.
With all the choices you have for your health care coverage, it's important to understand how each one works, its benefits and your share of the costs.
Here's a brief look at how Medicare supplement insurance differs from other coverage.
5 Reasons to choose a medicare Supplement Insurance policy.
Every year, your medicare supplement insurance policy benefits coordinate with your Medicare benefits to help you meet eligible health care expenses, depending on the plan you choose.
The Risk is Real Your earning ability is your most valuable asset.
If you become sick or inured and can't work, how will you meet your monthly expenses?
When disability interrupts or eliminates income, living expenses and other bills still remain.
The potential in the U.S. to become disabled is a reality you can't afford to overlook or ignore.
Changes are, you already have at least some life insurance.
But according to the Bureau of Labor Statistics, although 87 percent of employees in the U.S. own group life insurance, only half that many have disability insurance through work.
If you become sick or inured and can't work, how will you meet your monthly expenses?
When disability interrupts or eliminates income, living expenses and other bills still remain.
The potential in the U.S. to become disabled is a reality you can't afford to overlook or ignore.
Changes are, you already have at least some life insurance.
But according to the Bureau of Labor Statistics, although 87 percent of employees in the U.S. own group life insurance, only half that many have disability insurance through work.
Let's face it.
Even though you may continue to enjoy good health as you age, at some point you may need assistance with day-to-day activities.
Maybe it's the simple things like shopping and meal preparation.
Perhaps you'll need care provided by a visiting nurse, therapist or other health care provider.
You may even need nursing home care.
Today, approximately one in five people over age 65 and almost half of people over age 85 need assistance with day-to-day activities.
The average cost for comprehensive home health care is $18 per hour.
Even though you may continue to enjoy good health as you age, at some point you may need assistance with day-to-day activities.
Maybe it's the simple things like shopping and meal preparation.
Perhaps you'll need care provided by a visiting nurse, therapist or other health care provider.
You may even need nursing home care.
Today, approximately one in five people over age 65 and almost half of people over age 85 need assistance with day-to-day activities.
The average cost for comprehensive home health care is $18 per hour.
Key person coverage- replaces loss of that person's profitability.
With an indexed universal life policy, you get equity building values that can supplement your retirement with tax-deferred growth and possible income tax-free loan withdrawals.
Death benefits are income tax-free and no limit of years coverage.
Term insurance- also has lower level premiums and level coverage, but lacking in equity-building and has a limited time of coverage (10-30 years).
Contact David Stuto today for more information.
With an indexed universal life policy, you get equity building values that can supplement your retirement with tax-deferred growth and possible income tax-free loan withdrawals.
Death benefits are income tax-free and no limit of years coverage.
Term insurance- also has lower level premiums and level coverage, but lacking in equity-building and has a limited time of coverage (10-30 years).
Contact David Stuto today for more information.
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