Specialized Insurance Solutions
The Williams Agency offers comprehensive insurance solutions.
About the Williams Agency
Established in 1986, The Williams Agency is an independent insurance agency offering personal insurance, business insurance and life and health insurance in Bradford, PA and throughout McKean County. Some of our specialties include home insurance, auto insurance and medicare supplement insurance.
Being independent means that our priority is you—not the insurance company. We represent many different insurance companies which offer a wide variety of coverage options and price points. Our goal is to deliver the right blend of price, coverage and service.
Our exceptional customer service is what sets us apart at The Williams Agency. We believe our clients deserve personalized attention and we take each of our client’s needs seriously. Our goal is to meet the requests of every client and give them better insurance for less money.
We are independent insurance brokers.
This means that we work for the client instead of the insurance company and have access to many companies that can produce discounted rates for different groups of clients. Our job is finding the perfect match for each of our clients.
We have a dedicated team.
We specifically hire people who don’t have an insurance background because we want people with a genuine kindness in their heart and a willingness to work as hard as needed to get a job done.
We’re committed to service.
Every year, we send our clients insurance coverage comparisons (at their request) so they always have access to the best coverage at the best price.
We’re always here for our clients.
Whether you need us to help you file a claim or to secure new coverage, we’re just a phone call away!
Providing for Your Family
Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).
Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).
The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.
Protecting Your Retirement Savings
Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.
Life insurance can help support a surviving spouse during his or her retirement.
Protecting Your Small Business
If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.
A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.
Spousal Support / Income Replacement
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.
Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.