Why Use Us?

Our Values
Honesty, Integrity, Quality and Service.  HIQS!

Your unique needs are our priority. We get to know you personally. The various features suit different individuals needs better than others, and we work to match you with the company that offers the best rate and the best coverage for you.

We do not charge you for our services. We are compensated by the insurance companies we place you with.  Agent compensation is already factored into their premiums.   You pay the same rate using a personal agent as you would without one.

We construct solutions. We are creative and flexible; the best solution may require an unconventional approach/design.

Quality is not compromised. Your options stay open. We represent all insurance companies and consider all possibilities.

We are your advocates. If you have questions or problems we will help you resolve them with your insurance company.

We are experienced and have a range of expertise. The HIQS group is in partnership with experts to help you with your financial and retirement planning.

We stay current. It is our job to be current in the insurance field. Available plans and rates change constantly. The lists of participating doctors and hospitals affiliated with HMO’s change with little notice. We stay on up to date on these changes.

We want you to be happy. Our job is to make your life easier and to provide optimal service.  Your satisfaction is fundamental to our business.

We save you time. We assist our client with the process through every stage.

We pre-screen your case with multiple companies. Insurance companies vary as to which health conditions they consider risky. We take this into account. When we pre-screen your case, you will know the company you choose will be likely to accept you at a rate that you can afford.

Pre-screening reduces the odds of having a decline on your record. A “decline” can affect your ability to get insurance from another company in the future.  Plus, the whole process could take you two to three months and you would be back where you started.

We notice the details. We will assist, verify and submit your application to the carriers for you.  Applying for insurance can be an involved task and an oversight on your forms may be costly later.

We remain available to you. After you are insured, we remain accessible and are here to answer your questions and address any issues that may come up. We prepare reports, and maintain a copy of your records.

We conduct client coverage reviews. If your needs change and a plan is no longer the best fit, we’ll help you replace it.

We save you money. We provide guidance in selection the proper benefits and coverage.  It may actually cost you more in the end to go through the selection process on your own. A plan that may seem like the cheapest may not cover certain needs, and you may wind up paying a lot more out-of-pocket.

We Keep your information secure.