Eric Kossian - SafeMoney.com

Washington

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InsurePro Agency Principal, Underwriting Specialist, Senior Advisor

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Eric Kossian, Agency Principal and Underwriting Specialist at InsurePro leads a team to assist clients in protecting the financial assets they have worked so hard to obtain. Eric has spent the last 13 years managing an independent, all lines insurance agency serving Wash. State and prior to that was a personal and commercial Underwriting Specialist with America's biggest insurance co. Eric's Alma Mater is Seattle Pacific Univ. (Go Falcons!)

At InsurePro, we believe your "assets" include all you own, such as your homes, life insurance, safe growth/ income annuities and not just your investments and retirement accounts. We start with an underwriting review of your insurance coverage in all these insured areas to help make sure that the big things that can jump out and really hurt you financially are covered correctly. We often find that clients do not have the correct coverage they need to protect their assets and have financial exposures that no one else has ever identified! Typical exposures we find are inadequate levels of liability (most people should, at a minimum, have a liability umbrella of 1-5 million), inadequate limits of underinsured motorist injury coverage (for injuries to you as a pedestrian, bicyclist or any passenger in your car when hit and seriously injured or killed by someone else's vehicle - who in 98% of cases has inadequate liability limits), inadequate home exposures such as under insurance of home replacement or uninsured exposures to earthquake, landslide/earth movement, flood/mudslide/tsunami. We offer very cost effective ways to reduce these financial exposures. We then move on to make sure you have adequate life, disability income insurance - disability being a much bigger likelihood of occurring than your death and look at ways to resolve your long term care financial exposure. Finally, we review your retirement assets to begin the consideration of moving some investments into annuities where your principle and annually earned interest is secure from market downturns.

Additionally, for those who are age 75 and up or (importantly) have parents who are 75 & up, we do a life insurance diagnostic report on existing life insurance policies so you (and/or your parents) can know for sure if those policies are working correctly or if the changes in the internal fees of the policy are eating the policy assets alive. This is important to know because if fees are eating it the policy could crash in coming years with no asset value left. The diagnostic report will also show you if it makes sense to retain the policy, make policy changes, cash in the policy or sell the policy to maximize cash now - the Washington State Insurance Commissioner now mandates that life insurance carriers advise clients (in small print) that selling the policy may be a better financial choice than simply cancelling a life policy (when it is getting eaten by changes in internal fees.) We simply don't know unless a diagnostic report is done for each policy. We also offer referrals to good estate planning attorneys throughout Washington state.

While we always strive to save our clients money, and are quite good at that, we always first look to make sure our client's financial safety nets are in place. As a Trusted Choice  independent agency we offer a breadth and depth of products that the big name captive agencies like State Farm, Allstate, Farmers, etc, and the 800 # companies like Progressive & Geico simply do not offer. Our clients are always relived that their assets are now protected the way they should have been. We also have staff that work evenings and we can handle almost everything by email, text, e-sign, fax and phone. Personal appointments on weekends are available. We love our clients and we'd love to hear from you and look forward to earning your trust.

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1107 Key Plaza #450
Key West FL, 33040-4077
1.877.476.9723
(877.GROW.SAFE)

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