First Independent Insurance

read moreWhy should First Independent - Descamps Insurance Agency be "Your First Choice" for Auto, Home, Business, Life & Health Insurance & Retirement Planning? We hold to the principle that if we truly care what's best for our clients, our reward will come. There are many choices out there. At First Independent - Descamps Insurance Agency, you will find that partner that can earn your trust to not only keep you in the best position from a cost standpoint, but to be a Trusted Advisor that helps educate you on the choices you make to protect your assets.

read moreTom Sokol is a co-owner and producer at First Independent-Descamps Agency in Sterling Heights, Michigan. He was previously the owner and operator of a local captive agency. Prior to his insurance career, Tom worked for GE Healthcare where he was responsible for $900 million profit and loss - including sales, service, installation, service contract sales, and consulting services for a diagnostic imaging business. Tom specializes in respect and leveraging human capital - that is, he motivates, mentors, and leads talented professionals.

read moreCoverages and benefits listed below may not be available in your state. If available, some optional coverages and benefits might be offered at an additional charge. Contact First Independent - Descamps Insurance Agency today to learn more. A form of variable annuity contract where the contract holder pays sales charges up front rather than eventually having to pay a surrender charge. A benefit that can be attached to a life insurance policy that enables the policy holder to receive cash advances against the death benefit in the case of being diagnosed with a terminal illness.

read moreSterling Heights and greater Macomb County have long been known for their safety. They fall below both the Michigan average and the national median for both violent and property crime. It's a great place to settle down, and boasts a diverse, welcoming culture. When preparing to buy a home, you need to plan how you will maintain that investment. Homeowners insurance is one of the most-essential tools you can use to help you do so. For help getting the right policy, contact First Independent-Descamps Insurance.

read moreWorkers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. To help navigate your coverage choices, depend on First Independent-Descamps, your "Independent Agent", to not only fully explain these important coverages, but will find the best rates among the several insurance companies we represent. Call us at (888) 513-8784 to get started today.

read moreThere are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance. Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

read moreWhy do you need insurance for your boat or personal watercraft? You'll enjoy the water even more when you're not worried about the safety of yourself, your passengers or your investment. Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident. Liability limits start at $15,000 and can be increased to $300,000.