I won't hesitate to pass along your info to others. You have gone "well above and beyond" in your search for insurance for me more than once. Sound advice and the kind of service you offer is, sadly, disappearing in today's world.

Tony Barrille, Burke, VA.

Jill and I want to give you tremendous appreciations for what you did for me (and my present wife) in selling me a very robust package of disability insurances back in the '90's. You really and literally saved my (quality of) life at a very critical time. Thanks to you, I have recovered to the point that  I am able to work again (just enough to be happy). Thank you so much. If you ever want a reference, feel free to supply my contact information for the best reference possible.

David Biss,  Rockville, MD.

As a young couple getting ready to welcome our first child, we had no idea whether the quality or quantity of long term disability or life insurance coverage offered by our respective employers was enough. Because of your time, patience, and willingness to consistently go above and beyond, we now have policies that offer peace of mind and incredible coverage so that we can rest assured that our future is secure. We loved how you sat down with us in person and provided a clear "layman's" education about the types of coverage available and what might work best for us. It was such a personal experience, better than anything we could have asked for; the type of personal attention that simply doesn't exist with big companies. You are a treasure and it is my privilege to recommend you to friends and colleagues.

Carrie Lebowitz,  Elkridge , MD.

When my husband and I needed a Long-Term Care policy, we felt very fortunate to find the right agent. Joe was the consummate professional from beginning to end. He was knowledgeable about every facet of the LTC marketplace, and patiently and clearly explained the myriad of options. Joe didn't sell us a product. He educated us. With his guidance, we made solid decisions about our future. We are grateful for his assistance and would recommend him to anyone who needs insurance.

Joan Atchinson,  North Potomac, MD.

I want to say thank

I want to say thank you. I was lost on how to handle a large sum of money left to me. I called you for advise and in plan English you explained my options. We talked about my long term goals and you proceeded to research which company would provide the best outcome for my needs. We settled on a plan and you helped me through all the paperwork and took the hassle away from me. This was such a great and personal experience for me and I am grateful for your knowledge, understanding and caring. I know if I have questions about any financial issues, I can just pick up the phone and call. I just wish there were more people like you in the world.

Marybeth Gimble

After our son was born,

After our son was born, my spouse and I decided to purchase individual disability insurance. We are very fortunate to have worked with Joe. He took the time to understand our financial picture and goals. As an independent agent, Joe was able to find the carrier that offered that product that was best for us. Disability insurance is a very complex product that includes many provisions and options that determine the strength of the coverage. He took the time to explain the coverage that was available to us so that we could make an informed decision. I told Joe that we needed to have the policies in force by open enrollment so that we could decline the group coverage offered by our employer. Joe checked in with the carrier regularly about the status of the underwriting and quickly informed us if they had questions or needed additional information. The policies were in force prior to open enrollment. His level of professionalism is rare. We recommend him to anyone who needs insurance.

Joe Gasper

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