I retired at age 50 because of Parkinson’s disease. Several years before that Andy approached me about adding some additional disability insurance to equal my current salary. Although I thought I was covered quite adequately, Andy was very helpful and knowledgeable about showing me the pros and cons of adding additional insurance. I received that additional benefit for 15 years. What a blessing Andy and his staff have been to my family and me. They assisted me in making the claim process so easy and I can recommend him highly and without hesitation. (He has also sent me birthday and Christmas cards for 25 years without a miss.)