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Why Scott E. Dority & Associates?    Insurance Portfolio Management

What does this mean?  We take the time upfront to make sure we understand what it is our clients have and need to protect.  Once we understand what it is we need to protect, we package a portfolio of products to protect our client.  Once written, annual reviews are conducted to manage the changes in our client's lives.   Doesn't everybody do this?  Unfortunately, our industry is littered with Insurance Agencies only interested in the next sale.  There is little, if any, time spent making sure a clients income and assests are properly proctected.  Once written, policies are rarely reviewed.   How does this affect me?  Serious accidents happen.  The people we see on the 11 o'clock news did not plan on being there.  If you were the cause of a serious accident yesterday, how comfortable would you be with your Auto coverage today?  If your Home or Apartment burned down last night how confident are your that everything would be replaced.  If your spouse suddenly died, can your family sustain the lost income?  Insurance is not a necessary evil - it is what saves you if and when your are in the middle of a catastrophic event!   Is this going to cost me more money?  Probably not, most policies are littered with out of date and duplicate coverages.  Also, we work to combine different lines of coverage with one company which enables us to pick up additional discounts.  In the end, most of our clients are able to significantly improve their coverage and reduce their insurance costs.   Why wouldn't everybody want this?  Good question, most people just do not understand the importance and the benefits of Portfolio Management.  Most agents just don't take the time or cannot afford to offer this kind of service.   Okay, you have my attention, where should we start first?  We need to review your Income & Assets so that we know what it is we need to protect, we will offer the coverage to make you litigation proof, we will eliminate unnecessary or duplicate coverage(s), we will explore options to drive down the cost of your insurance premiums, and finally we will look at income continuation options (life, health, long term care, and disabiltiy).     Auto, Homeowners, Renters, Motorcycle, Mobilehome, Boats, Commercial Liability, Workers Comp, Commercial Auto, Bonds, Life, Health, Disability, and Long Term Care

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