The young family in East Haven figuring out HUSKY for a new baby — and wondering if they should start a life insurance policy now that they have someone counting on them.
Working families · Segment AWe're a family-run insurance agency on the Connecticut shoreline. We help families like yours get on HUSKY Health, find the right life insurance, and protect your home and car — without the jargon, and without the pressure.
Our patch of the Connecticut coast.
From New Haven to Stonington — 15 towns.
We walk families through HUSKY A, B, C, and D applications — for kids, adults, seniors, and caregivers helping aging parents. Free, every time.
Get free help 02Term, whole, and final-expense policies built around the people who depend on you. Independent — we shop the market and tell you the truth.
See your options 03Self-employed? Between jobs? Just turned 26? We're certified Access Health CT brokers — the carriers pay us, not you. Compare every plan in one sitting.
Compare plans 04Shoreline-specific coverage most agencies miss: flood zones, coastal wind, hurricane deductibles, dock and boat. Free policy review — no obligation.
Free policy reviewThe young family in East Haven figuring out HUSKY for a new baby — and wondering if they should start a life insurance policy now that they have someone counting on them.
Working families · Segment AThe grandparent in Old Saybrook quietly worrying about how to leave something to the grandkids — without making a mess of probate or the family cottage.
Retirees & legacy planning · Segment BThe lobster boat captain in Stonington who needs health insurance that works when the season slows down — and term life that covers the boat note and the kids in school.
Self-employed · Segment DThe daughter in Madison trying to help her mom apply for Medicaid — without losing the family house to the five-year look-back rule no one explained.
Caregivers · Segment CWe don't charge for Medicaid enrollment support. Ever. The state doesn't pay us. You don't pay us. It's part of how a local agency serves a local community — and it's how we earn the trust to be there when you do need to buy something.
I learned the insurance business the way most people on this stretch of coast learn anything worth knowing — from people who'd been doing it a while, and who didn't have time for nonsense. I started out at a little agency in Guilford in 2000. I've been on the shoreline ever since.
Every town from New Haven to Stonington has its own quirks. The flood maps in Old Saybrook aren't the flood maps in Branford. HUSKY questions look different in New London than they do in Madison. We know that because we live here.
If you call us, you'll get me or someone I trained — not a call center, not a chatbot. We'll tell you the truth, even when it costs us a sale.
They sat at our kitchen table with my 84-year-old mother and explained Medicaid in a way she actually understood. They didn't charge us a dime. I've already sent three friends.Karen M. Guilford · HUSKY C / Caregiver
I run a charter operation out of Niantic. They put together health, life, and a flood policy on my house in one afternoon. Saved me about $1,400 a year and explained everything in English I could follow.Mike R. East Lyme · Self-employed
We had a baby in March. They walked us through adding her to HUSKY and helped us pick a 20-year term policy without trying to sell us a bunch of stuff we didn't need. Genuinely good people.Daniela & Tom P. East Haven · New parents
Income limits, asset rules, and what to do if you're close to the line. Includes a 60-second eligibility table for HUSKY A, B, C, and D — and what counts as income.
Life Insurance · CaregiversThe five-year look-back rule, the home equity exemption, spousal protections, and when to involve an elder law attorney. Honest about what we can and can't do.
Home & Flood · LocalFEMA flood zones, NFIP vs. private flood, basement coverage gotchas, and the wind-vs-water disputes that ruin people's hurricane claims. Town-specific risk callouts.
The first 30 minutes are free, and we'll tell you straight whether we can help — or whether you need someone else. No pressure, no follow-up calls you didn't ask for.
In person · By phone · By video · En español