Comprehensive InsuranceProtection for Every Need
We don't work for any one insurance company - we represent several companies to find you the best rates and coverage. From health and life to auto and long-term care, we'll shop the entire market to find the perfect fit for you.
Health Insurance
Individual, group, dental, and vision coverage options
Life Insurance
Protect your family's financial future
Auto & Home
Complete property and casualty protection
Long-Term Care
Disability and long-term care planning
Complete Insurance Solutions
We represent multiple insurance carriers to help ensure you get the best coverage at competitive rates. Our independent approach means we work for you, not the insurance companies.
Health Insurance
Comprehensive health coverage for individuals and groups
Individual Health Coverage
- Customizable health and dental plans
- Prescription drug coverage
- Vision care benefits
- Paramedical services
- Out-of-country medical coverage
- Hospital room upgrades
Group Health Benefits
- Extended health and dental coverage
- Employee wellness programs
- Group life insurance
- Short and long-term disability
- Critical illness coverage
- Flexible spending accounts
Why Choose Our Insurance Services?
Multiple Carriers
Access to over 15 insurance companies ensures competitive rates
Independent Advice
We work for you, not the insurance companies
Annual Reviews
Regular coverage reviews ensure you always have the best rates
Making Insurance Decisions Easier
Health insurance decisions can be very difficult to handle on your own. There are so many options with so many companies to consider. That's why we're here to help.
Market Analysis
We'll shop the entire market to find the best fit for your needs and budget
Personalized Recommendations
Based on your specific situation, health needs, and financial goals
Ongoing Support
Annual reviews ensure your coverage remains optimal as your needs change
Important Consideration
Insurance rates change yearly. That's why we recommend checking your coverage and rates annually to help ensure you're still getting the best value. Our team provides complimentary annual reviews for all our clients.
Protecting Your Financial Future
Life Insurance Benefits
The memories of your life are preserved even after your death with life insurance. Key benefits include:
- •Tax-free death benefit for beneficiaries
- •Income replacement for surviving family
- •Pay off mortgages and debts
- •Cover potential estate taxes
Long-Term Care Planning
Given the United States aging population, many people already have family or friends who suffer from waitlists and overcrowded long-term care facilities. Planning ahead helps you:
- •Maintain financial independence
- •Choose quality care facilities
- •Protect retirement savings
- •Reduce burden on family members
Coverage Recommendations
Auto Insurance
We recommend liability limits above 100,000/300,000 plus uninsured motorist coverage to fully protect your assets in case of serious accidents.
Life Insurance
Coverage should be 5-10 times your annual income during your working years, considering debts, future expenses, and your family's long-term financial needs.
Disability Insurance
Protect 60-70% of your income with coverage that extends to retirement age, ensuring financial security if you're unable to work.
Our Insurance Planning Process
We make insurance simple with a straightforward process designed to get you the right coverage at the best price.
Coverage Review
We analyze your current insurance policies to identify gaps, overlaps, and opportunities for savings.
Needs Assessment
Understanding your unique situation, family needs, assets, and future goals to recommend appropriate coverage.
Market Comparison
Shopping multiple carriers to find the best combination of coverage, service, and price for your needs.
Policy Implementation
Handling all paperwork and coordination to seamlessly transition to your new coverage.
Annual Reviews
Regular check-ins to ensure your coverage remains optimal as your life and needs change.
Working with Your Existing Team
Summit Insurance Services LLC does not work for any one insurance company. We represent several companies in hopes of finding you the best rates and coverage. We also collaborate with your existing financial advisors, CPAs, and attorneys to ensure your insurance strategy aligns with your overall financial plan.
Quick Facts
Average time to review your needs
To receive personalized quotes
Cost for our broker services
Get Your Complimentary Insurance Review
Don't wait for renewal time to discover you're overpaying or underinsured. Schedule your complimentary insurance review today and start saving.
What's Included:
- ✓Complete coverage analysis
- ✓Quotes from multiple carriers
- ✓Side-by-side comparisons
- ✓Personalized recommendations
- ✓Complimentary and no obligation
Contact Information:
Health Insurance:
(248) 779-1000Auto & Home
Summit Insurance Services LLC
info@summitfc.net
Health Insurance
Summit Health Services
www.summiths.net