Our Services

The Gruber Agency offers a range of insurance products, including Life, Disability, Long-Term Care, Key Person Insurance, Buy-Sell Agreement and more, to help protect your family and business. Our goal is to provide you with peace of mind through a transparent and stress-free insurance experience. Our team of experts will guide you in finding the best policy that fits your needs and budget from a range of options from different carriers. Book an appointment with us for transparency, options, and peace of mind.

Life Insurance
Life insurance offers peace of mind and financial security to your family by paying out a death benefit in the event of your passing. Term insurance provides coverage for a set period at a fixed rate, while whole life insurance provides lifelong coverage with a guaranteed death benefit and growing cash value.

Disability Insurance
Also known as "paycheck insurance," disability insurance provides financial support if an illness or injury prevents you from working. There are two types of disability insurance: short-term and long-term. Both provide a portion of your income to help you during this difficult time.

Long-Term Care Insurance

A type of insurance that helps cover the cost of care if you require assistance with daily activities such as eating, bathing, or dressing due to a health condition. Long-term care insurance is crucial as Medicaid and Medicare do not cover these costs. This insurance can provide peace of mind and financial stability in a time of need.

Key Person Insurance
A type of insurance that helps a business continue operation in case a key employee, who either plays a critical role or generates significant income for the company, leaves or passes away. This allows the company to find a suitable replacement without any immediate pressure.
Buy-Sell Agreement
A Buy-Sell agreement is a legal contract between business partners that ensures a smooth transfer of ownership in case one of the partners passes away. In such a situation, the surviving partner receives a check that can be used to buy out the shares of the deceased partner. This prevents unskilled family members from taking control of the company and provides the family with a cash buyout. 
Coverage Review

We provide tailored insurance solutions to fit your unique needs. You may be unaware of options that can better serve you, and we're here to help. Our team will review your requirements and suggest the plan that's right for you. If you already have coverage, we can still perform a free policy review to ensure you're getting the best value.

Other Suitable Options
At the Gruber Agency, we are proud to provide our expert services to clients across multiple states. Our commitment to delivering comprehensive insurance solutions extends beyond just one geographic location, allowing us to serve a diverse range of clients with their unique insurance needs. Whether you're a resident of one of the states we serve or simply in need of coverage while traveling, we have you covered. With our extensive knowledge and experience, we work tirelessly to ensure that each and every one of our clients has the protection they need, no matter where they are.