This is THE person you want to go to for all your insurance needs!! Believe me he will beat the best offer you have on hand from others!! I got an incredible deal from a reputed company for a 20 year term life policy. I got at least a 20% better rate than my previous best rate I got from ‘trusted’ sources. I am going for every insurance need I will ever have with Joe and Rick. I very strongly recommend them for all your insurance needs. Trust me you won’t be disappointed. It was great working with them. And NO I am not paid, nor am I his relative or friend to write this recommendation.