Most people are overpaying for insurance. Are you?

Three drivers and three vehicles at $7,680 a year, climbing every renewal, and nobody had sat down and explained why. I rebuilt the quote line for line, every driver, every vehicle, every limit, with nothing cut to make a number look better, and priced it two ways so he could choose. I pulled the household's driving history up front and caught an address issue before anything was bound, so there was no surprise increase later. He has since sent me several of his family members.

$7,680 a year down to $6,010.^*

His townhouse was written as an HO-3, the policy built for a stand-alone house, so he was paying to insure parts of the building his HOA master policy already covered. Part of the home was also rented out and had never been disclosed, which is exactly what a carrier goes looking for at claim time. I moved him to a proper HO-6 with the rental disclosed from day one, kept his limits, lowered his deductible and added water backup.

$2,196 a year down to $1,790, a saving of $406,^* on a policy that now actually fits his home.

On September 1 a plan several of my clients were on was swapped with very little warning, and the doctor network and the pharmacy program both moved the same day. I called them before they had to call me, put the old and new numbers side by side, and gave each of them the two checks that matter: are your doctors in the new network, and are your prescriptions on the new drug list. I called the plan administrator myself and sent out the continuity of care steps so anyone already in treatment could ask to keep their providers.

Nobody had to work it out alone.