About Us


  • Loretta Smith
    President and Licensed Agent
  • Carolyn Kalmer
    Licensed Agent
  • Kristy Anderson
    Sales Assistant

Keeping your needs and budget in mind, we strive to create a partnership of trust, providing you with the tools for making informed decisions on Medicare plan selection, Health coverage choices, and other products to protect your greatest asset – YOU!

With our combined background knowledge of investments, insurance, and claims processing, we are uniquely equipped to help you with the purchase of quality protection, and also with any assistance you might need when you actually need to use your coverage.

So, whether it’s time to look into a new medicare or prescription plan — Or if you need help determining your qualifications for a health plan subsidy and applying for a plan for your family (either on or off the marketplace), we can help.

And, once these basic protections are in place, we can answer your questions and help you explore other important life planning tools — from enhancing your understanding of complex things like Long Term Care and Disability income plans, to helping you with important coverage like Life, Accident, Critical Illness, Dental and Vision – we’re here to help.

If you have a small business, we can help you provide your employees with the coverages they need to protect their families as well.

We’re here to answer your questions and to help! When it comes to protecting you and your family, “We’ve got you covered”!