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My Head and Shoulders


I am a semi-retired financial professional. While I no longer manage investments I still help people with their insurance needs. Life, Medicare Supplement plans, Medicare Advantage plans, and Prescription Drug plans.

Being semi-retired, I don't have to try and hammer every single person I talk to into buying a policy from me. I'm not one of those people at the end of an 800 number insurance mill line who has to pressure people into buying just to feed his/her family! Know what I mean?

Some people I can help and we will do business together. Other people I can't help and that is OK too! Wouldn't it be nice to not be pressured? Of course it would!

Very easy to understand thank you.

You're very helpful and help explain everything without making a person feel inadequate

Ramona Soutar Florida

Phil did a great job answering all my questions and guiding me on my next steps.

Phil knows his stuff and can be trusted. I'm so glad he offered his help. This is all new to me and he made it very easy to understand. Thank you, Phil! I'd recommend you to anyone!

Lainee Boss Michigan

Yes ,indeed -perfectly clear.

Knew everything about what I needed and then some. All kinds of benefits and resources available to me.

Jeff Burkam MI