We spend our lives building things—homes, savings, businesses, and families. But have you ever stopped to think about what happens if the “person with the plan” (that’s you) is suddenly sidelined? Whether it’s a medical emergency or something more permanent,…

When you’re planning a dream trip to the Swiss Alps or a beach in Belize, the last thing you want to think about is an emergency room visit. But as we often say at Brouwers Agency, “hope is not a…

Why the Best Water Claim is the One You Never Have to File If you’ve lived in Grand Rapids for more than a few winters, you know the sound: the drip, drip, drip of a pipe that just couldn’t handle…

When you buy a new car, you probably don’t think twice about whose name goes on the title. Most couples just put “husband and wife” or list both partners out of habit. It feels like the right thing to do,…

When most people think of insurance, they think of the “Big Box” carriers—the companies you see during every commercial break. For many folks, those standard policies work just fine. But as your success grows, your life often outgrows the capabilities…

We’ve always said that a personal umbrella policy was one of the best values in insurance, something that simply helps you sleep better at night. But in the last couple of years, the landscape in Michigan has shifted. Between a…

If you work for a company that offers life insurance as a benefit, that’s great news. It’s usually free (or very cheap), and it’s a wonderful “floor” for your financial plan. But we often get asked: “My work gives me…