Licensing

Our Financial Services Representatives combine their education in financial services with their knowledge of the ever-changing insurance industry landscape to provide you with solutions for your unique situation. All Financial Services Representatives must pass comprehensive exams to obtain a license to sell products in your state.

Our offices are licensed to sell insurance products in the following jurisdictions:

Life/Health: Arizona, Connecticut, Florida, Maine, North Carolina, New Jersey, New York and Tennessee
Security: Arizona, California, Connecticut, Florida, Illinois, Massachusetts, Maine, North Carolina, New Jersey, New York, Rhode Island, South Carolina, Tennessee

We also have agents licensed to sell securities in the following jurisdictions:

Life/Health: Arizona, California, Connecticut, Florida, Georgia, Illinois, Massachusetts, Maine, North Carolina, New Hampshire, New York

Joy Guarino, Domiciled in NY : CA Insurance License #4102583

We cannot communicate with, nor respond to, requests from customers who reside in jurisdictions where we are not licensed to conduct insurance and/or securities business.