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What Frank places

Life insurance is the specialty. Because the agency is independent, the rest of the protection picture gets handled in the same conversation.

Lines placed

Life insurance

Term, universal, indexed and permanent coverage. Many modern policies carry living benefit riders, which let you access a portion of the death benefit if you become chronically ill — a feature most older policies do not have.
Long-term care

Traditional and hybrid plans covering extended care needs.
Medicare Supplement & Advantage

Healthcare coverage for retirement, placed alongside the rest of the picture rather than by a separate agent.
Annuities

Income stability and market protection.
Dental

Preventive care and major dental expenses.

Carriers he brokers from

A captive agent sells one company's shelf. A broker compares them.

Every step outlined up front. No surprises.

Not tied to one company. Carriers get compared, and what fits gets put in front of you.

Zero-obligation consultations. Nothing signed until you're sure.

No cost to have your coverage looked at. If what you have is right, Frank will say so.