"An experienced advocate providing excellent service you deserve!"

Second, “Ants think winter all summer” always looking to the future. I pride myself on servicing my clients and ensuring that I am available to address their needs after we have implemented a plan of action as needs change over time.

Third, “Ants think all summer all winter” staying current with products, services and ever changing market trends is extremely important. This way when it comes to client reviews, you can feel comfortable knowing that we are taking into account any changes that may impact your original objectives.

The final point “how much do the ants gather in the summer for the winter”. They never stop gathering. I will research all available options and resources to provide you a comprehensive plan to meet your needs.

Being an Independent Insurance Broker, I am not lured by companies trying to “push” their products. I have the most competitive companies available in the marketplace today and those that can meet virtually everyone’s needs.

The fact is I work for YOU and not the INSURANCE COMPANIES to provide the best plan of care available to meet your needs.

This is the Steve Antman Philosophy.

Presumably, most would agree that where you are now in your life as opposed to where you might have been several years ago is considerably different. This is because there are many variables beyond your control that have a significant effect on your “own” world whether you planned on it or not. With this same thought in mind, even your best intentions with respect to your financial planning goals and objectives need to be revisited on a regular basis. Significant life changes typically trigger our reasons for needing to review what we put in place just a short time ago. Specifically with respect to life insurance; the newlyweds, the new baby, the new house, the new business venture are just some of those major life changes that require us to review our policies. Life insurance plays an extremely vital role in the thorough financial plan of both individuals and businesses. It is both a unique and valuable property that needs to be integrated into the strategies designed to accumulate, conserve and distribute wealth.

Because of the ever changing financial landscape and addition of new products available in the marketplace, it is wise to have a comprehensive policy review. This does not mean you have to replace your existing policies, but it does mean you should determine objectively how the policy is performing. Capitas Financial, LLC is the organization that assists me in these reviews and does this in a objective matter by compiling data from current carrier’s information. Some of the reasons for performing a review are: Policies may not meet current needs, older contracts may use higher mortality costs than current policies, ownership of life insurance may adversely affect estate taxes, beneficiary designations may be out of date, existing term insurance may not be convertible or premiums may be reaching the end of their guaranteed period. The POLICY REVIEW will provide you a detailed analysis of your policy status and allow you to view all the options available that may or may not be to your advantage. This is to help you better understand your policy and how it is performing.