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Get to Know Our Team

We're independent agents and are here to help guide you through the steps of getting insurance, but why trust us?
To help ease your hesitancy, read about us and our principal agent, below.

Paul Cholak, licensed insurance agentPaul Cholak-Principal
Licensed Independent Agent

Paul holds life, health and annuity licenses in 30 states.  He has completed all required (and continues to take additional courses) Continuing Education requirements, including the special courses required for agents licensed to sell long-term care insurance. He holds a Legal Expense License in Florida and can sell that insurance in any other state (most states) that does not require licensing.

He has over thirty years of benefits experience and has been Director of Employee Benefits for large companies, as well as a benefits consultant with major consulting firms.  As a senior himself, he understands the special needs and concerns of seniors who are seeking help for their life insurance needs.  He knows all aspects of individual and group life insurance. He's been listed in Who's Who in America and Who's Who in Financial Services and is a member of Phi Beta Kappa and other national honorary societies and organizations.

Why Choose An Independent Agent

Some people think it doesn't really matter where they buy their life insurance.  But this could be costing them money, service, and protection.  Buying insurance isn't like buying a commodity.  Insurance is an important safety net and can prevent major financial problems like financial insecurity or loss of major assets.  Don't treat the purchase lightly!

There's a difference where you buy your protection.  Many people don't realize there are three sources for insurance:

  • Independent Insurance Agents and Brokers -- represent many insurance companies and research these firms to find you the best combination of price, coverage, and service.
  • Captive Agents -- sell you the insurance of only one company.  
  • Telephone Representatives -- offer you the insurance of one or more companies but are usually not licensed to sell insurance.  They must refer you to a licensed broker to complete the sale.
As Independent Insurance Agents/Brokers, we:
  • Are licensed professionals;
  • Provide excellent service and competitive prices because we can access insurance coverage from many companies;
  • Aren't limited to any one company.  You don't need to change agents as your insurance and service needs change;
  • Represent only carriers that are both financially stable and provide efficient claims service;
  • Assist you when you have a claim;
  • Offer one-stop shopping for a full range of life, final expense, short- and long-term care insurance and other non-health related-products;
  • Offer you a choice of insurance plans and programs;
  • Determine the best combination of price, coverage, and service.  We find the best carrier offering the best value for your premium dollar;
  • Periodically review your policy with you to make sure your coverage is keeping up with your changing insurance needs; AND.
  • Treat you like a person and not as a number.
Life Insurance Plans for Seniors agents explain coverages and limitations and believe in educating you, the life, final expense and short- and long-term care insurance consumer.  We have a strong commitment to customer service and want to earn your business by fully informing you and answering your questions, being available every day of the week from 7 AM to 11 PM Eastern time, and serving you to your complete satisfaction.

There's no charge for using our services.  Insurance companies charge you the same price wherever you buy your policy.  Price is based upon the facts you provide in your application and your health status as determined by the  carrier's underwriter.  Some agents quote a lower price or don't fully discuss coverages and possible limitations just to get your business.  Then you receive a surprise when the policy arrives.

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