Monday, 20 May 2019

Broker offers variety of insurance options

Tony Montenegro knows how important it is to be prepared.

As an insurance broker and owner of the Brunswick-based firm Coastal Georgia Insurance Solutions, his goal is to help people navigate financial challenges.

“I solve financial problems and provide solutions where insurance is the medium,” he said. “A lot of people ask what I do, and I say it’s not so much about products, but about solving problems.”

Whether it’s an individual seeking life insurance, or a company looking to provide quality benefits to employees, Montenegro can help find the right answer.

“For example, I had a case a while back where a client owned a software company and he had a single coder that wrote the programs,” he said. “If something were to happen to that coder, it could essentially bring his business to a grinding halt. So, we were able to find a life insurance policy that would provide enough financial security for him to go out and find another coder of that same caliber.”

It’s consequential work, and knows how valuable having a personal relationship with a broker can be. Montenegro prides himself in forging one-on-one relationships with his clients, and aims to provide “world class service with old fashioned relationships,” he said.

Montenegro can also help people find the right type of disability insurance to ensure people have steady income if something happens.

“When people have disability insurance, they’re protecting their income,” he said. “When a surgeon injures his hand, that could mean significant lost income, and disability insurance can help you plan for the unexpected.”

With an office in downtown Brunswick, Montenegro is ready to help guide clients through the complicated world of insurance. After 27 years in the industry, he knows how to explain the difference between whole and term life insurance, and the benefits of different types of policies. He’s ready to sit down with clients and go through their options until they find the right plan for the right price.

For businesses, Coastal Georgia Insurance Solutions can find employers the right benefits packages to aid in recruiting and retaining top talent.

And for people 65 and older, Montenegro has the experience dealing with Medicare to help beneficiaries get the most out of their plan, including Medicare supplemental insurance. Open enrollment for Medicare is just around the corner in October, and Coastal Georgia Insurance Solutions can help people understand their benefits and get the most out of them.

“It’s a complicated world, for sure, but my goal is to help explain insurance, what it does and how to get the right plan,” Montenegro said.

Another aspect of Coastal Georgia Insurance Solutions is helping people plan for retirement.

“I can help people accumulate money for retirement, or provide strategies to get the highest income for retirement,” he said. “Most clients are interested in hitting financial goals and having income distribution at retirement.”

With all of the products and services available, Montenegro is of the mindset the best way to learn is by making an appointment and sitting down together. That face-to-face, handshake approach is what sets him apart and gives clients the peace of mind they deserve. Montenegro has lived in the Golden Isles for more than 30 years with his wife, Kimberly. Together, the couple has four sons and six grandchildren. He’s also a member of the Brunswick-Golden Isles Chamber of Commerce and the past president of the Brunswick Association of Life Underwriters.

“Insurance can be confusing, but no one has to navigate it alone,” Montenegro said. “There’s a solution out there for just about every problem — and Coastal Georgia Insurance Solutions can help find it.”

Contact Coastal Georgia Insurance Solutions, 1612 Newcastle St., Suite 214 in Brunswick, by calling 912-269-8463.

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