Individual Health Insurance
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.
Divisional Vice President
I made the decision to specialize in the senior health insurance industry over twenty years ago. My prior career in the casino industry shaped my dedicated and disciplined work ethic and taught me to utilize my strength in professionalism and my natural ability to develop relationships with everyone I meet.
Hobbies: Fishing, boating and just about anything water related.
Licensed in: AZ, CA, CO, CT, DE, FL, IL, IO, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NH, NJ, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WY
Dedicated to serving individuals in many states; we believe our independence allows us to better serve you, the consumer. Through extensive research, our client base enjoys the fact that we educate them on a wide range of insurance products.
Our plan of action entails that people don't just need a policy; they need a plan. The planning producers are composed of independent insurance professionals who offer high quality insurance, financial products, and services to the individual and business marketplace.
Our professionals have extensive training and knowledge in the products they offer as well as the expertise on how to use those products to provide maximum benefit and protection to the clients we serve.
It is our commitment and desire to establish trust and a long-lasting relationship with our clients. This commitment has served us well throughout the years. We take pride in knowing that our clients keep returning to us for advice.
Explore the plans I offer. Let me be the resource that you depend on year after year for help with your insurance needs.
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.
Outside of the individual market’s annual open enrollment period a short-term health insurance policy might be your best option, especially without a qualifying event.
Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles.
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
Annuities typically offer tax-deferred earning and may include a death benefit that will pay your beneficiary a guaranteed* minimum amount, such as your total purchase payments.
Long-Term Care (LTC) refers to extended care or services for people with disabilities or long-term illnesses.
Burial insurance or final expense insurance is a basic life insurance policy that covers people until they reach the age 100.
The total financial impact of cancer includes direct and indirect costs that can have a long lasting impact on you and your family.
Critical Illness insurance can become an important strategy to help close this growing health costs financial exposure.
Accident Insurance can be used not only to offset the costs associated with an accident such as ambulance transportation, emergency room visits, X-rays and rehabilitative therapies, but also for ordinary daily bills..
Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.
Tom was very patient and thorough.
James, Fort Atkinson, WI
Tom Morrell is very patient with us older people. Excellent.
Kathie, Millville, NJ
Great agent, tells it like it is.
Robert, Millville, NJ
Very nice and patient. Made you feel like family.
Alan, Northfield, NJ
Tom was great. I spoke to other agents from other companies, none of which were as informative or courteous as Tom.
Len, Quinton, NJ
Mr. Morrell was on time, professional and easily understood.
Gale, Toms River, NJ
I have nothing but good things to say about Tom.
Nicholas, Toms River, NJ
Tom was extremely informative, its good to know we have a friend in insurance.
Ronald, Ocean View, NJ
Tom was very informative and explained everything to us.
Joseph, Barrington, NJ