Our comprehensive list of services give you the peace of mind when you planning you and your families well being.

Individual Planning
Personal Coverage for Every Situation, Planning is key.

Everyone has unique needs. We take the time to understand those needs. We develop an approach and select products that will best achieve your personal goals.

Individual Health
How do I know which insurance companies offer the best claims service? How does the new Affordable Care Act affect my family and me? Which is better -- purchasing a traditional plan with co-pays or a Health Savings Account compatible plan? We consider all options and address the right questions when selecting the benefits best suited for you and your family. 

Your earning potential over the course of a lifetime is your most valuable asset. But what if you are unable to work? The ability to continue earning income if you cannot work is the most overlooked aspect of financial stability. We help you understand the uncertainties you face and how to best approach them.

The need for life insurance is very broad. Leaving your family financially secure and/or preserving your estate are critical concerns. We listen to your goals and apply our expertise of different life insurance options to tailor a solution for your needs.

Often overlooked because of more appealing investment options, annuities provide a secure and reliable investment during times of economic uncertainty. Although many people view annuities as complex, we take the time to explain the purpose and potential value of annuities, while evaluating their relevancy to your personal financial picture.

It is easy to get confused by all the regulations and coordination of benefits when trying to figure out social security. Working closely with seniors, we explain how Advantage plans,
supplements, and Part D plans coordinate with Medicare. We aid in the enrollment of various services and remain available for continued assistance when issues arise.
Long-term Care
Despite the rising cost of nursing homes and elder care, there is a continued increase of people with needs for this assistance. How you do prepare for long-term care expenses? We work with you to discuss options and develop a plan that is right for you.

Business Planning
Protecting Your Company’s Future
Every successful business differs, but they all have something in common – valuable employees. To ensure the continued success of your organization, you must find the best ways to reward and care for your key people.

“Key Person” Coverage
Within every organization, there are certain individuals who are responsible for important company proceedings. They are your decision makers. Your business developers. Your intellectual value. What if something happens to that individual? What if they become disabled or die? Does your company know how to react to the inevitable financial impact that will follow? We will work with you to discuss your organizational structure, the value of an individual to your overall business, potential risks, and develop plans to combat any number of situations that may arise. Losing a key person is hard enough, but we can help you avoid added financial consequences.

Business Preservation
People work hard to build businesses. They take pride in the work they do and want to translate this attitude to their employees and future business leaders.
At the same time, they want to be adequately rewarded for their work and the opportunities they've provided. How do you accomplish this without sacrificing your company’s future? Or what if your business plan does not unfold as you envisioned? We work with businesses to identify and address these types of questions. A lot of time, energy, and sweat go into building a business. A little planning can go a long way to make sure the seeds you planted for your business can blossom for many years to come.

Executive Benefits
A great deal of responsibility comes with your company’s leadership. But rewards for an exceptional job can be profitable. What is the best way to reward your top management? There are many options to consider, such as Deferred Compensation, Executive Bonus, Salary Continuation, or Supplemental Executive Retirement Plans (SERP’s) using life insurance. Looking at your organizational structure and financial breakdown, we work with you to determine the best strategies for your company.

Group Benefits
Always Keeping Your Entire Organization In Mind
When we work with any client’s benefit plan—new or old—our goal is to deliver quality benefits to employees and value the employer, while providing support to all parties throughout the process. 

Whether it is Health, Life, Disability, Dental, Vision, 401K or Limited Benefit Plans, we always start with a situational
analysis to determine an organization’s needs. From there, we go to the market to engage and negotiate with insurance carriers for the best value.

Once the relationship between the insurance provider and the client is established, we continue to stay involved in day-to-day activities of the plan. Both our agents and experienced, professional staff provide the enrollment services and on-going account management. 

Simply put, we get involved and stay involved. We know the challenges you face. And we have the expertise and resources to simplify your tasks.


                         Portsmouth Insurance Agency, 600 2nd Street, Portsmouth, OH 45662 • 740.353.4105