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.

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