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By: ss1958
Epstein Insurance Services
Paul Epstein of Epstein Insurance Services has been my health insurance, workman's compensation, general liability, performance bond and marine policy insurance broker for over 15 years. Paul and his staff work very hard to give each and every one of his clients all the tools they need to make an informed decision along with having the connections within the insurance industry to obtain the best possible rates with the best possible coverage. He is very knowledgeable and if he should not happen to know the answer to your question, he is able to provide the information in a short amount of time.Give him a try. Paul is honest and will work hard to obtain your business and keep your business year after year!
By: debra.grayman
Epstein Insurance Services
I've been working with Paul Epstein for 20 years and he's one of the most professional and personable agents I have the pleasure of knowing. He has access to numerous markets and will always be able to place your business with the most compettive rate and coverage available. He will always answer your phone calls, assist you with coverage questions, and simply said, provide the "gold standard" in insurance service.
By: Jada R.
I called about a year ago to get an insurance policy and a home owners quote. Elsa helped me and she was great! Patient and answered all of my questions. Not only did I get my auto insurance but I ended up switching my home owners and just recently my business. I would definitely recommend this place to anyone looking for insurance
By: gregoryalllenhcbc
Scott Fowler - State Farm Insurance Agent
I use Scott Fowler for ALL my insurance protection needs. He insures my home, cars, and boat. His customer service, office staff, etc., are top notch, and VERY responsive. I would recommend them to anyone!
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By: Mark L.
Scott Fowler - State Farm Insurance Agent
Scott helped me out with some life insurance stuff and now he's working on helping me bundle my home and two autos! Thank you, Scott!
By: ellen999
Aim All Insurance
They were so helpful and saved me money on my auto and home owners insurance. I would highly recommed this company.
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By: Gilligans I.
I was able to get a surety bond on the spot, and General Liability for my business. Great Service thank you
Tips & Advices
When choosing a disability insurance policy, look for a policy that is non-cancelable. This prevents the insurance provider from canceling the policy or changing the terms as long as you keep making your payments. Seek an "own occupation" policy, which  provides benefits if you can't continue to work in the job you held the prior to becoming disability.
Long-term disability insurance is disability coverage that provides income over a period of several years. This type of disability insurance can be of tremendous assistance with an illness of injury that prevents you from working  for several years, or  from reentering the workforce.
You should get enough disability insurance to cover monthly living expenses. Consider expenses such as rent or mortgage, and monthly grocery bill. Deduct the spending reductions that would come from  being absent from work. These include commuting expenses and lunch expenses from eating out. It's generally recommended to  get a policy that covers at least 60 percent of your salary.
Group disability insurance is a single policy that covers a large group of people. Group disability insurance is typically offered by employers, schools, professional associations, and trade groups. Relative to an individual disability insurance policy, group disability coverage can offer tremendous cost savings.
Short-term disability insurance covers long illnesses, disabling injuries, and the birth of a child. With long-term disability insurance, a broad assortment of illnesses and conditions are covered, and common claims include cancer, injuries, poisoning, mental disorders, heart attacks, osteoarthritis, and back pain.

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