Insurance Solutions
Coverage for Every Stage of Life
From protecting your family's future to securing your health and income, Pagar & Associates offers comprehensive insurance solutions tailored to your needs.
Protect the People Who Depend on You
Life insurance is the foundation of any solid financial plan. We help you find the right type and amount of coverage to protect your family's future.
Whether you need affordable term coverage or a permanent policy that builds cash value, we work with 15+ top-rated carriers to find the best fit for your budget and goals.
Get a Life Insurance QuoteTerm Life Insurance
Affordable coverage for a set period — 10, 20, or 30 years. Ideal for income replacement, mortgage protection, and young families.
Whole Life Insurance
Permanent coverage with guaranteed death benefit and cash value growth. A lifelong policy that never expires.
Universal Life Insurance
Flexible permanent coverage with adjustable premiums and death benefits to adapt to your changing needs.
Final Expense Insurance
Affordable whole life coverage designed to cover funeral costs and end-of-life expenses, protecting your loved ones from financial burden.
Mortgage Protection
Ensures your family can stay in their home if something happens to you. Coverage aligned to your mortgage balance.
Key Person Insurance
Protects your business from financial loss if a key employee or owner passes away unexpectedly.
Group Life Insurance
Employer-sponsored life coverage offered as part of a competitive employee benefits package.
Individual Health Insurance
Comprehensive health coverage for individuals and families outside of employer-sponsored plans. ACA marketplace and off-exchange options available.
Group Health Benefits
Employer-sponsored health plans that attract and retain top talent. We help businesses of all sizes find affordable group coverage.
Open Enrollment Support
Confused by open enrollment deadlines and plan options? We guide you through the process step by step — at no extra cost.
Call (423) 356-0280Stay Covered. Stay Healthy.
Navigating health insurance can be overwhelming. We simplify the process and help you find a plan that fits your health needs and your budget.
As an independent agency, we compare plans across multiple carriers so you get the best coverage at the most competitive price — without the confusion.
Get a Health Insurance QuoteFill the Gaps Your Primary Insurance Leaves Behind
Even with good health insurance, unexpected medical events can create serious financial strain. Supplemental coverage pays you cash benefits directly — no matter what your primary insurance covers.
Accident Insurance
Pays a lump-sum cash benefit for covered accidental injuries — ER visits, fractures, dislocations, and more.
Critical Illness Insurance
Provides a cash benefit upon diagnosis of a covered critical illness such as heart attack, stroke, or cancer.
Cancer Insurance
Dedicated coverage that pays benefits for cancer diagnosis, treatment, and recovery — helping you focus on healing, not bills.
Hospital Indemnity Insurance
Pays a daily cash benefit for each day you're hospitalized, helping cover deductibles, copays, and living expenses.
Disability Income Insurance
Replaces a portion of your income if you're unable to work due to illness or injury. Short-term and long-term options available.
Build a Benefits Package Your Team Will Value
Attract and retain great employees with a comprehensive benefits package. We help businesses of all sizes design affordable, competitive group benefit programs.
Group Life Insurance
Provide employees with life insurance coverage as part of their compensation package.
Group Accident Insurance
Protect your workforce from the financial impact of accidental injuries on and off the job.
Group Critical Illness
Help employees manage the financial impact of a serious diagnosis with lump-sum cash benefits.
Group Cancer Insurance
Dedicated cancer coverage that supports employees through diagnosis and treatment.
Group Hospital Indemnity
Daily cash benefits for hospitalization to help employees cover out-of-pocket costs.
Group Disability Insurance
Income replacement coverage that protects employees if they can't work due to illness or injury.
Voluntary Supplemental Benefits
Employee-paid supplemental benefits offered through payroll deduction — no cost to the employer.
Not Sure Where to Start?
Let us help you find the right coverage. A licensed professional will review your needs and walk you through your best options — no pressure, no obligation.