I became a State of Connecticut licensed producer
(insurance agent) in November 1985 for property casualty, life, health
and disability. Like many people while working in corporate America, I had the aspiration of someday owning
my own independent insurance agency. I created Insurance
Works in 1998 and incorporated the company as Insurance Works of
Connecticut, Inc. in 1999.
We're not employees of any insurance company -- we work
for you. We're an independent insurance agency representing many
reputable insurance companies for many different kinds of products and
exposures.
Over the years, products and companies
have changed and lawsuits have increased. My agency has to stay on
top of this game to protect you. For the last 23 years, I
have made sure I have continuous extensive training in all lines of insurance.
The same holds true for all people working at this agency. My job is to uncover my client's exposures to potential
gaps in coverages and to properly provide insurance products at
reasonable rates.
In 2004, my high school sweetheart and husband, Karl
Pfistner retired from the U.S. Navy with 27 years of service. He
was working at the Pentagon in D.C. yet decided to retire, move back
home and become an insurance agent for Insurance Works. So after his two week
retirement, Karl became property casualty licensed. Together,
we created an organization that has a reputation of going way beyond
what other agencies are willing to do for clients. And this
journey has been a blast for both of us as well as those who work here.
WHY THIS SITE
This site is from the serious side of me in which I've
seen so many crazy things happen to normal people over the years. My
guess is over the 23 years, I must have been in over 2,500 clients
homes. I've had married couples say, "What are the odds
of us dying at the same time" to later both be killed in a
car accident. I've seen parents pass away intestate --
without having a will -- with the kids future decided by a stranger -- a
judge.
I've read way too many obituaries in which it says a fund has been created
and donations accepted to take care of the funeral costs or the kids'
education -- if only that deceased person spent $20.00 per month to not
leave their families in this predicament.
I've heard people say
"I don't believe in life insurance" or "Why should I buy life
insurance? My wife is young; she can remarry" and then the
wife and children become homeless. I've had parents say, "I
don't believe in life insurance on my children," and then much
later not have the funds for the child's funeral. I've had people
tell me, "I don't care about my funeral -- just put me in a
cardboard box." I'm sure your loved one's wouldn't want that.
No one wants to talk about death,
especially their own. I certainly do not. But we may feel we
have the financial responsibility of not leaving our loved ones destitute
in the event of our untimely death. It's used for anything you
want: to pay off the mortgage, credit cards, to cover funeral
expenses and those final medical bills. It can be used to cover
the kids' future college education or maybe for the grandkids. The
proceeds can be paid out in a lump sum, installments, in a trust or in a
spend-thrift trust.
It's not my intent to sell life insurance
as to make someone rich in the event of another's death -- Life
insurance is a gift of love. Today's products can be tweaked
for almost every situation and, in most cases, at affordable prices.