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Do not make the mistake of thinking premium is the most important part of purchasing a policy. Yes, it is important…. But there are many factors to consider. I lead every one of my clients through an education meeting, called Insurance 101. You then can make an informed decision based on facts, not emotions. Some people make the mistake of “shopping” online, where you will find premiums quoted based on you being extremely healthy. I have yet to find an advertisement where the standard rates are actually quoted. Do not make that mistake. I am a broker, first and foremost. This means I work for you. I am contracted with various companies, none of which I am employed by. Once we determine your need I shop the market for you.