With more than 20 years in the insurance business, I have seen what valuable assets insurance products can be to the consumer. I service my clients with the same respect and responsibility I would my own family. Knowing the devastation created by unexpected or unprotected losses, both personal and business, I continually strive to market insurance products to meet the individual consumer's requirements. With this prospectus in mind, I would like to provide you with the needed insurance in your life, whether it is auto, home, life, personal, or commercial coverage.