We are proudly accredited by the Better Business Bureau of NJ: Our commitment to you is to provide you the most choices and the best value for your health insurance Medigap, Medicare Advantage Plan, and business liability insurance. We have a 20-year track record of providing trustworthy advice, outstanding service, and the lowest premiums available. Whether you buy from the insurance company direct or an independent agent like myself you are guaranteed to pay the same premium for your policy, that's the law!. We give you everything we have and a little more!