Insurance Is a Matter of Trust

Life is filled with unforeseeable events, Many of you have lived a relatively healthy life.  Some of you have had company provided insurance that would be lost at retirement.  Some of you have health challenges and need to know you are protected from a catastrophic event or serious injury.  


In these situations, it's important to know that you can rely on your insurance policy to protect you.  What if you become disabled?  Can you make enough money to support yourself while you are recovering?  Do you have the protection of long term care?  What are your best solutions if you become incapable of providing for yourself.


As an independent insurance agency, Daniel Kowalski helps you find insurance solutions tailored to your individual needs. We draw from a vast pool of experts within our organization and through our partners.



We invite you to explore our comprehensive consulting services and get to know our competent and friendly staff.  We are a member in good standing with the National Ethics Bureau.  They assure you that all of their members have passed a rigerous screening and background check.

Featured Insurance Policies:

Medicare Advantage Plans, Supplements, and Prescription Drug Plan offerings from Insurance Companies You Can Rely on:


If you or your spouse have worked for approximately (10) years, you are likely to be entitled to Medicare at age 65.  You may also be entitled if you have become disabled for over 2 years as well.  There are many Health Advantage Plans or Suppliment options you will be considering.  We offer the majority of the insurance companies offering these plans and have them here for your consideration.

What are my Health Coverage Options When I turn 65? :


Medicare would cover most of your health related expenses if you have qualified, but will still leave you to cover 20% of the total expense.  Many insurance bills can run into hundreds of thousands of dollars.  The 20% could be dramatic and endanger your retirement savings you will rely on as we all age.


We will talk about Part A, Part B, Medicare Advantage Plans, Private Fee for Service Plans, and Medicare Suppliments.



Sometimes we are lost trying to comprehend everything that is involved.  Its difficult enough for a trained professional let alone a private citizen turning 65.  Many of you have never had any involvement in chosing your  medical coverage or  prescription drug plan.


Let us become your advocate and partner as you make your major medical and prescription drug plan choices. 


Even though you may have chosen a plan already, have you really had someone capabile of comparing the competing offerings to insure you have the best value for the premiums you spend?


Some times we do not know the impact until a major event happens.  Then many of our lower cost altermatives are no long an option.  Let us guide you through the difficult decisions you face and be there for you year after year as you best resource of protection. 



Daniel Kowalski