Angela Utter Gauthier is the executive vice president for the Inspire You Agency, a division of Five Rings Financial. Gauthier has consulted with clients regarding their financial and retirement planning solutions since 2011 and with 5RF since 2013. Her agency primarily works with high achieving professionals and their families by providing tax free retirement and living benefit life insurance.
License: 806891
Commonwealth of Virginia State Corporation Commission
Angela Utter Gauthier is an insurance agent who owns Inspire You Agency that serves Virginia Beach and the nearby areas. She offers life insurance products such as term life, whole life, and universal life policies that help clients build tax-free or tax-deferred income for themselves or their beneficiaries. Angela has been a financial advisor for more than a decade now, and she specializes in helping health care professionals. Angela is married to the love of her life, David, and they have 2 wonderful children and a dog.
License: 806891
Commonwealth of Virginia State Corporation Commission
License: 143017
Commonwealth of Virginia State Corporation Commission
Bembridge Insurance is an agency that has been serving Virginia Beach and its surrounding communities since 1999. It helps individuals and families in safeguarding their futures by providing term, permanent, whole, and universal life insurance. Its team of professionals assesses the needs of clients through different factors, such as their financial situation or recent life events. The coverages include childcare, long-term educational expenses, and funeral and burial costs. The agency also offers auto, business, and homeowners' insurance.
License: 143017
Commonwealth of Virginia State Corporation Commission
Benefit Plans Inc. is an all-woman owned and operated insurance agency that has provided personal and business insurance solutions since 1974. The independent insurance agency assists individuals and companies interested in group plans for their employees with finding the health and life insurance coverage they require. Its agents assess each situation to ensure their clients receive benefits tailored to their needs. Working with a variety of top-level carriers, Benefit Plans provides major medical policies, including HMOs, PPOs, FSAs, and POSs in addition to supplemental plans, such as Medicare, dental, and vision. The company also offers a range of life insurance products and annuities customized to protect individuals, families, and assets.
License: 2750768
Commonwealth of Virginia State Corporation Commission
Beskin-Divers Insurance Group Inc. has been serving Virginia Beach since 1974. It offers whole and term individual life insurance options from various carriers such as Metlife, Progressive, and Safeco. The agency provides company owners with policies for its employees and key persons to business operations. Disability, long-term care, and mortgage protection coverages are also available to relieve the financial burden of those left behind. Beskin-Divers has given community support to United Way and Children's Hospital of The King's Daughters.
License: 2750768
Commonwealth of Virginia State Corporation Commission
Bunn Insurance Agency sells life insurance coverage that enables clients to provision for their final expenses and any after-life costs and family needs. It consults clients on their life circumstances and offers policy terms that best satisfy their coverage needs and protect their families from significant financial losses. Bunn Insurance Agency also offers long-term care coverage in case clients become severely disabled. This agency insures properties, automobiles, and businesses as well.
License: 131894
Commonwealth of Virginia State Corporation Commission
Cheeks Insurance Agency, LLC, is a Virginia Beach-based insurance agency that provides insurance solutions and products to clients throughout the metro area. It provides whole life and term life insurance with terms ranging from 10, 20, and 30 years. It also offers other coverage needs, such as home, business, and auto insurance. The firm accommodates clients who have questions about their policies and want to review their current plans. Cheeks Insurance Agency has more than eight years of experience in the industry.
License: 131894
Commonwealth of Virginia State Corporation Commission
License: 100017
Commonwealth of Virginia State Corporation Commission
Choice Insurance Agency provides residential and commercial clientele in the Virginia Beach area with insurance products. These products range from term and whole life insurance to health insurance plans tailored for businesses of different sizes. With over 50 years of combined industry experience, its insurance professionals work with clients to assist them in understanding their options and help them find coverage plans suited to their needs. The Business Magazine of Coastal Virginia named the agency as Best Life Insurance Provider in 2021.
License: 100017
Commonwealth of Virginia State Corporation Commission
License: 108156
Commonwealth of Virginia State Corporation Commission
Connie Phillips Insurance is an independent agency serving individuals and families in the Virginia Beach community. The company has been in the industry for over 36 years, providing life insurance policies to clients looking for term or whole life coverage. Its agents also offer health, disability, auto, home, personal umbrella, and business plans. In 2020, the company received the Business Partner of the Year Award from SEVA-CAI. Its staff members can communicate in Spanish.
License: 108156
Commonwealth of Virginia State Corporation Commission
Hampton Roads Insurance Service offers insurance products and services to clients in the Virginia Beach metro area. This company offers many types of insurance plans for health, life, disability, and automobile claims. It also offers a variety of products through its affiliation with Progressive. Homeowners' insurance programs are available through this agency to protect both the structure and possessions inside. FR 44 insurance and SR 22 insurance plans are available as well.
License: 104594
Commonwealth of Virginia State Corporation Commission
Insurance Strategies The Cooksey Agency is an independent and multi-line company that helps families, individuals, and businesses in Virginia Beach and the surrounding communities. The business specializes in personal insurance products that include auto, disability, life, flood, and dental. Its services range from death benefit protection to retirement planning strategies. Insurance Strategies The Cooksey Agency also offers commercial insurance products that cover BOP, restaurants, and general liability. In addition, the firm's agents create strategies tailored to the customers' goals and needs.
License: 104594
Commonwealth of Virginia State Corporation Commission
Legacy Planning Alliance Inc. has helped its clients navigate the complexities of financial planning to achieve their goals since 1989. The independent life insurance company in Virginia Beach represents a select group of top carriers to provide the most comprehensive products for their clients. Its agents consult with individuals and assess their current and potential earnings, debts, familial responsibilities, and assets before making recommendations for a life insurance plan. They advise on term, whole, and universal products as well as annuities, tailored to meet their clients' needs. Legacy Planning Alliance also offers a variety of health insurance policies as well as supplements, such as long-term care and disability.
License: 146308
Commonwealth of Virginia State Corporation Commission
Matt Roenker Insurance Agency is a family-owned insurance firm that serves families and individuals in the Virginia Beach area. It offers personalized life insurance policies, such as term life and whole life, to help clients prepare for unexpected occurrences or life-changing events in the future. The company also provides risk protection packages for annuities, automobiles, homeowners, and recreational vehicles. The company has been in operation since 1969. It aims to offer services with hands-on and knowledgeable strategies.
License: 146308
Commonwealth of Virginia State Corporation Commission
License: 133440
Commonwealth of Virginia State Corporation Commission
Paula Faivre is an insurance agent with more than 29 years of service in the industry. She provides auto insurance, homeowners insurance, business insurance, and property insurance to clients in Virginia Beach. In addition, she assists clients in looking for life insurance, health insurance, and pet insurance. Paula Faivre is affiliated with State Farm Life Insurance Company, State Farm Life and Accident Assurance Company, and American Pet Insurance Company. Aside from insurances, Paula Faivre offers banking, mutual funds, and annuities.
License: 133440
Commonwealth of Virginia State Corporation Commission
Prosper Insurance offers various insurance programs for individuals and businesses in Virginia Beach. Opened in 2007, the company partners with more than 30 insurance carriers. For individuals, it provides life, homeowners, automobile, renters, personal watercraft, and umbrella insurance. It offers businesses coverage in cyber-liability and business compromise as well as in professional liability, errors, and omissions. It also protects businesses via coverage involving employment practices, workers' compensation, commercial auto and fleet, property and flood, and mobile equipment.
License: 137494
Commonwealth of Virginia State Corporation Commission
Quality Insurance Partners provides services to clients in Virginia Beach and the surrounding areas. The locally owned company offers personal coverage plans, including life, auto, and property insurance. Its staff handles protection policies for long-term care and annuities. Other offerings include homeowner insurance, landlord protection, umbrella policy, flood damage protection, and classic car insurance. The firm is also available for business needs, such as professional liability, commercial umbrella, general liability, and worker compensation.
License: 137494
Commonwealth of Virginia State Corporation Commission
License: 110404
Commonwealth of Virginia State Corporation Commission
Sharon Lynch is an insurance agent partnered with State Farm that serves the residents of Virginia Beach and the surrounding areas. She offers life insurance products, including term life, whole life, and universal life policies. She also offers auto, home, health, and property insurance. She has a team of agents that speak multiple languages like Tagalog, Spanish, and English. Business owners can also connect with Sharon and her team to get commercial auto, workers' compensation, and liability umbrella coverage.
License: 110404
Commonwealth of Virginia State Corporation Commission
Spencer Financial Services Inc. provides comprehensive strategies to help clients achieve their financial goals. Principal Michael Spencer has worked in the financial profession for more than 30 years. He recommends that his clients include life insurance and annuities in their portfolios to provide for their futures and protect family and assets. As an independent insurance agency, Spencer Financial Services works with a network of top-rated carriers, many of which have built-in riders for leveraging long-term care benefits from life insurance policies. The company also works with individuals who require supplementing their retirement income with regular annuity payments. Mr. Spencer offers products tailored to meet his clients' needs.
Toby Leffel Insurance Agency serves the Virginia Beach metro area and assists clients with a multitude of life and health insurance needs. This agency has been in business since 1982 and consults clients to determine their goals and recommend insurance plans that best cover their liabilities. Toby Leffel Insurance Agency can also assist clients with policies for property insurance, auto insurance, or business insurance. Full client services are available for those facing issues with their policies.
Founded in 1961, Ware Insurance offers clients personal and business insurance options in the Virginia Beach area. The company provides life and health insurance coverage, including individual disability, association health plans, ancillary benefits, and business overhead protection, in addition to group medical, vision, dental, and life insurance. A risk management approach helps clients understand what coverage is right for them, and customized options are available. Industries insured include retail, professional services, agriculture, and construction. Other services include claims management and bonding.
Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.
A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.
The details of how life insurance works depend on your individual plan, but the basics are as follows:
The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.
Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.
When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.
To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.
Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.
