Insurance & Financial Services

We represent our clients as we survey the marketplace to match or coordinate their financial planning objectives with the various products available. The following is a list of products, policies and plans we work with:


  • Life Insurance: Term, Return of Premium, Permanent, Whole Life, Variable/Universal, Survivorship
  • Long Term Disability / Income Protection: Long Term Disability Plans, Optional Riders Include:
    • Cost of Living
    • Residual
    • Own Occupation
    • Lifetime Income
    • Guaranteed Insurability
  • Retirement Planning / Employer-Sponsored Retirement Plans: Individual Retirement Accounts (IRAs), Simplified Employee Plans (SEPs) "Simple" Plans, Tax Deferred Annuitys (403B)
  • Long Term Care: Long Term Care Plans allow you to protect against the cost of Nursing Home Care, Home Health Care and Assisted Living Facilities.

Financial Services

  • College Savings Plans: 529 Plans, Education IRAs
  • Investment Planning: Leading Money Managers offered by leading Mutual Fund Companies*
  • Employee Benefit Plans: Specialists in providing Group Medical, Dental, Life Insurance, Short/Long Term Disability, Cafeteria Plans, Supplemental Benefit Plans

Individual Medical / Dental Plans Offered:

Quality Carriers that offer various comprehensive medical plans

  • AETNA PRO (Cofinity PPO Network)
  • ASSURANT (Cofinity PPO Network)
  • BLUE CROSS / BLUE SHIELD of Michigan - PPO
  • CELTIC INSURANCE CO. (Cofinity PPO Network)
  • HUMANA ONE (Cofinity PPO Network)
    Private Fee For Service (PFFS) Plans

Medical Plans include plans with lower deductibles: $500 to high deductibles / Consumer driven Health Care Plans (CDHC) that can be coupled with a "Health Savings Account" Plan (HSA).

We can tailor a plan to fit your budget. Temporary medical plans or "Bridge Plans"; These plans provide affordable medical insurance while you're waiting for your employer sponsored coverage to commence. These plans can cover you (or applicable family members) from 30 - 180 days. These plans do not cover any pre-existing conditions.

* Investments offered by Concourse Financial Group Securities, Inc.


  • “I have worked with Dan for over 13 years to handle my business and personal retirement, healthy insurance and college savings programs. I can count on Dan doing what he says, when he says he will do it and it is hard to put a price on that simple peace of mind in today's world.”Jason Sherrill, InetSolution, Inc.
  • “Dan has provided excellent service for our group of companies expanding almost 20 years now. He is very reliable and trustworthy and understands how to save money!”Michael Plotzke, Plastipak Packaging Inc.

Testimonials may not be representative of the experience of other customers and are no guarantee of future performance or success.

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