I was determined that I did not want to cause any unnecessary financial or emotional burden on my children when was time is finished on this earth. Tom was referred to me by another agent who did not do Final Expense. Tom not only helped me cover my final expenses but he also showed me how to pre-pay for my funeral expenses.

Before retiring in 2013, I asked several people at the bank about Medicare. They suggested Tom because several of them had already used him. They said he was an educator and not a sales person. He helped me find a great Medicare Supplement and a prescription plan. He calls me every year to go over my plans and makes sure that I am properly covered.

I am a veteran and thought that my health care needs were covered by the V.A. However, my wife suggested I at least talk to her agent, Tom. He showed me how to add coverages with a Medicare Advantage policy which cost me Nothing! Those free benefits have helped me so much that I refer my veteran buddies to Tom for additional coverages.

My wife and I live way out in the country and seldom to people come out this far to help with insurance needs. I told Tom where we lived and he said not to worry. I will be there on Friday. We have referred several other people out in the country to him. He returns each year to check up on us and our needs.

My Medicare Supplement policy had gotten so high that I was afraid I had to cancel it and go without insurance. My niece in Richmond said Tom was her agent and had helped her, her brother, her aunt and uncle save money on their policies. He showed me how to get better coverage and save money too! So far Tom has helped 8 people in our extended family!