Frequently Asked Questions

No. Mike’s approach is education first. The aim is for you to understand your options and decide what fits, without pressure.

Yes. Personalized coverage reviews are part of how Mike works, including liability limits, deductibles and where the gaps in your coverage may be.

No. Appointments can be remote and convenient. You can book a free consultation online or call Mike’s Connecticut office.

Ongoing client support after enrollment is part of how Mike works, so you have someone to call with questions later.

Not always. The price depends on the limits, deductibles and options you choose, and each insurance company prices them differently. Comparing a few choices side by side is the easiest way to see the difference.

Uninsured and underinsured motorist coverage can help protect you and your passengers if the at-fault driver has no insurance or too little. What it covers, and whether it is required, depends on your state.

Standard homeowners policies usually do not cover flood damage. Flood coverage is typically a separate policy, so it is worth asking about if water is a concern where you live.

No. Some households see a lower combined price and some do not. It depends on the insurance companies, your home, your vehicles and the coverage you choose.

Term life covers you for a set number of years. Whole life is permanent coverage designed to last your lifetime and builds cash value over time.

It depends on your debts, income, mortgage and the people who rely on you. The DIME estimate on the Life Insurance page is a starting point, and Mike can talk it through with you.

It is usually a smaller whole life policy focused on funeral and end-of-life costs, rather than replacing income over many years.

No. It is supplemental coverage that pays set benefits for covered hospital stays. It works alongside your health plan and does not replace it.

Many plans pay a fixed cash amount directly to you for a covered stay. How much, and for how long, depends on the plan you choose.

No. Plans differ in their networks, waiting periods, yearly maximums and the share of each service they pay.

The coverage you want to look at, your name, a phone number and an email address. Your ZIP code and a note are optional.

No. It does not ask for Social Security numbers, payment details, health information or policy records.

Use the Book A Free Consultation button to pick a time on Mike’s online calendar, or call his Connecticut office.