Insurance is a need that a lot of us take for granted, believe me, it is better to have than to not have. It is much better to take advantage of insurance when we are healthy because as time goes by, different occurrences happen in our lives. The little boy or girl becomes a teenager and then he/she will reach maturity and planning should have accompanied them during this time period. My friends, as much as we would like to say, all remains the same, but it does not.

At Warren Foster Insurance Services, we like to take the stress of everyday life and put it into perspective. Having been in the insurance business for thirty years, I have seen both the upsides and downsides of the insurance business.

There are many options to satisfy the needs that are presented in the insurance business. At Warren Foster Insurance Services, the client comes first and insurance problem solving results from talking over the clients needs.

Health insurance is a topic of concern and costs can be extremely high or tailor made to satisfy insurance goals.

Disability Insurance: This is termed the "Living Death," meaning your inability to earn money for you or your families’ ability to maintain it's current life style. The type of employment, benefit payment periods, length of time benefit is paid and age of applicant determine disability insurance costs.

Life Insurance: If you own things and want them to pass to successors/heirs, you need some type of insurance. Term Insurance is the lesser costing life product. Permanent insurance can be more costly but locks in the policy for the life of the policy in most cases. Health conditions can affect costs on both types of Insurance.

Dental Insurance: At Warren Foster Insurance Services, we offer both group dental and individual insurance policies. We offer policies that include orthodontics to make sure that "your smile looks the way you want it". Groups can be as few as 2 persons.

Travel Insurance: When traveling outside of the United States, we make sure that you are covered while abroad. Prices are dictated by time away from the USA. We also cover travelers coming to the United States on an individual and group basis.

Pension Plans & Annuities: Everyone needs an additional pension these days and always call it supplemental, if you like, and in some cases it may be all that you may have. Immediate annuities, lump sum annuities, and annuities that you may deposit into for college is available through Warren Foster Insurance Services.

Pro Athletic Coverage: Although we don't like to think about it, the professional athletes playing days are about 5 years, although there are exceptions. Making sure that you know there is coverage in case of an career ending injury should be left up to "The Athlete". Many sad stories around athletes winding up with nothing are everyday topics.

In closing, I want clients to feel that we work for them. Being an independent agent, we shop based on the clients budget. No one insurance company has it all. I think the worst situation that clients have to deal with is no understanding or patience. Remember "most people do not plan to fail they fail to plan".