After changing jobs I was staring at a ridiculous Cobra premium. American Insurance Advisors not…read moreonly took a ton of time to assess what coverage I really needed, they offered me several affordable options. Anytime I have a question, I get a prompt answer. Not only great service to get me the proper coverage, I receive great service after the sale. American Insurance Advisors can tackle anyone's health and life insurance needs regardless of the circumstances.

From the owner: Helping people with Medicare enrollment.read more

Was recommended to the office by someone that works in the building. But the agent was extremely…read morerude and had a huge chip on her shoulder. When you are dealing with new customers it's best to be extremely accommodating and if you act like customers are disrupting your day your business is going to suffer as such. Insurance agencies are a dime a dozen and I'd definitely skip this one when shopping for new services.

From the owner: We specialize in insuring businesses small and large. Insuring your new business can be scary, but…read morelet us take the fear out of it by being with you every step of the way. Let us help you get the right coverage at the best prices. We want to help educate you on the coverage that would best suit you and help you understand just what exactly it is that you are paying for.

This company and its employees are top notch. After dealing with several insurance firms, it was…read morenice to finally get real answers, be educated on what I am paying for, AND saving money. Not just for me, but for my parents. THANK YOU KEN AND TEAM!

Worst customer service ever. Greedy shitty people that only care about being paid out on…read morecommission. My policy was gonna no renew and no one bothered to give me a phone call and when I called to figure out why Geanette told me she had no time to look into for me. Super rudeee!!! Terrible customer service !!!! Everytime I meet a person I'm gonna make sure to tell them about my experience.

The guy who work's there is very rude and unprofessional. I will be finding another agent. They…read morehave screwed up my insurance and that man does not know his insurance. This is the second time I have had an unpleasant experience with him and it is the last time I will be in there. He works for me I don't work for him.

The guy who answered the phone was not only rude, but when I asked to speak to someone particular…read more(whose voice I did not really know) he just said "how can I help you" like he was the guy I wanted to talk to. After I asked him how his day was he goes "I am not ____, how can I help you". I again asked for a specific person, and then he put me on hold for 10 minutes!!!

I have been with Ken and his group since I retired 15 year ago. Best choice I have ever made. He…read morehas never tried to sway me one way or the other just gives me the informstion I need to make an informed decision. He has interceded on my behalf regarding medication coverage, dealing with bcbs is a nightmare, Ken makes it doable. He and his staff are responsive, professional and always gracious. I keep a copy of his card on my phone, and forward it to anyone who asks me about retirement insurance. Ken, I cant thank you enough for all you have done for my husband and me

From the owner: Our Mission at Binnacle Insurance Services is to provide exceptional guidance and solutions in…read morenavigating the complex world of health insurance. We are dedicated to empowering individuals, families, and businesses to make informed decisions by offering personalized, unbiased advice. We strive to ensure that everyone has access to the best health insurance coverage that meets their unique needs. With a friendly approach, we aim to build lasting relationships based on trust, transparency, and genuine care. Together we can promote a healthier and more secure future.

I am just now updating this review. I only became upset at his response after he was rude to me…read more Despite not being able to offer instance for pre-existing conditions at the time, this salesman was very rude and condescending on the phone. Even though this was 8 years ago, I still remember this phone call.

My review was suppressed on Google. Rick Young also disabled reviews for his Facebook and BizARate…read morepages. None of the posted reviews were anything like my actual experience with Rick Young. On 10-8-18, I inquired about health insurance from Rick Young. He gave me a Marketplace quote of: Blue Cross Select HMO Bronze 2018 plan = $21.33/month Lifesecure Personal Accident insurance = $38.20/month Out of Pocket protection plan = $35.28/month When I spoke to him again, he asked for information so that he could prepare an application. He also wanted me to give him payment information over my cell phone. I held off on providing my payment information. I wanted to talk to him in person first. Rick Young called me again during the weekend. He said that all he needs is payment information. I again told him that I don't want to give payment information over the phone & that I want to speak to him in person next week. Mr. Young wouldn't schedule an appointment. He told me to call him when I'm ready. I called other agents. The other agents explained that the Blue Cross Bronze plan quote for $21.33 was low. I would pay back any excess benefits I received at tax time. I was also told that the accident protection & out of pocket protection plans were unnecessary. The other agents also said they would meet with me rather than take my payment information over the phone. I decided not to get a plan from Rick Young. Rick Young contacted me on 10-23-18, though, to ask if I would accept his quote. I told him that I spoke with other brokers who told me that his quote was too low. When I asked what income he based the quote on, he based it on a figure that was $7000 less than my actual income from my new job. I pointed that out & said that I also have a part-time job that provides additional income. Mr. Young said there was a miscommunication. He provided a new quote of over $260 per month for the Blue Cross Bronze plan plus the personal accident & out of pocket plans. I told Mr. Young I would think about his new quote. I rejected it, then got coverage from another company. Mr. Young called me again on 10-31-18. I told him I had already gottten health insurance from another agent & that his last quote was too high. I also said that I had never had a personal accident or out of pocket protection plan before. Mr. Young told me that the coverage I obtained will be discontinued on 12-31-18, so I will need new coverage for 2019. He said that the quote of $260 was actually for a Blue Cross Silver plan. He can provide a Blue Cross Bronze plan for over $160. I asked why he didn't provided that price before? He said his staff gave him the wrong quote. He trusted his staff to do its job properly. I told Mr. Young that I would verify what he told me with the other agent. Mr. Young asked me to call him back. I talked to the other broker, who verified that the plan would end on 12-31-18, but that I can find another affordable insurance plan for 2019. I called Rick Young's office back during the afternoon on 10-31-18 & left a message with his secretary saying that I wouldn't accept any 2019 options from him. During the morning of 11-2-18, though, I got 2 e-mail confirmations that Rick Young had submitted 2 online applications for me for the personal accident & out of pocket protection plans without my permission. I called the 2 companies. I had the personal accident insurance application cancelled that morning. I had to wait till the following week on 11-5-18 to cancel the out of pocket protection plan application. When I called Rick Young, he told me that according to his notes he had offered the personal accident & protection plans to me. I told Mr. Young that I had never accepted those plans nor told him to submit applications for me. I also reminded Mr. Young that I had left a message with his secretary stating that I wouldn't get 2019 coverage from him. Mr. Young had nothing to say. I am surprised that he used information I had provided to submit 2 unapproved applications. I submitted a complaint against Rick Young with the Michigan Department of insurance at (877) 999-6442. I won't have anything to do with the Rick Young Agency again.

Have been a customer for over 30 years and I would never think of trying another agency. They are…read morealways ready to explain why I should do something and they've always been right. I know George since we bowled at Royal Lanes in the 80's. His son is as great as he is. The apple doesn't fall far from the tree. Keep up the good work and God Bless.

George and Shane Henry are owners of Consolidated and are a father and son team. They are quick to…read morerespond and give great follow up service. They have a great staff who are equally efficient and polite. I received good advice on coverages come up ways to save money, but more importantly, ways to manage risk effectively. These days is a lack of appreciation for those who provide top service to their insureds. Shane and George are very engaging and listen to their clients well. Give them a call before you insure your car, home or business.