Life, Health & Medicare
The Coverage Conversations Most People Put Off
Nobody wakes up excited to talk about life insurance or Medicare enrollment windows. But these are the decisions that determine whether a family stays financially secure when it matters most — and they're far easier with a local, licensed guide who explains the options in plain English.
What We Offer
Life Insurance
Term and permanent coverage, sized to the actual gap: income replacement, the mortgage, education, business obligations. We compare carriers and show you what each dollar of premium actually buys.
Disability Income
Your income is the asset everything else depends on — the house, the savings, the plans. We insure it, with policies matched to your occupation and your budget.
Medicare
Supplement vs. Advantage, enrollment windows, drug plans — explained in plain English by people who do this every fall. No pressure, no jargon, and a review every year as plans change.
Individual Health
On- and off-exchange options for individuals and families, compared across carriers so the plan fits your doctors, your prescriptions, and your budget.
Beyond Insurance
Insurance Is One Pillar. Here's the Rest.
Principal Tim Haas is also the founder of Waypoint Financial Planning, serving clients on retirement, tax, and investment strategy. If your insurance review keeps turning into bigger questions — retirement income, tax planning, Social Security timing — that conversation has a home at TimothyJHaas.com.
Financial planning and investment advisory services are offered separately from Haas O'Brien Insurance Group.