Family Owned Since 1980

Tailored Legacy, Tailored Protection.

Top Annuity Bonus Rates

5YR: 9%, 7YR: 17%, 8YR: 10%, 9YR: 10%, 10YR: 23%, 12YR: 15%, 14YR: 27%, 15YR: 20%

Top MYGA Rates

1 year: 4.25%, 2 year: 5.10%, 3YR: 5.50%, 4YR: 5.50%, 5YR: 5.60%, 6YR: 5.65%, 7YR: 5.60%, 8YR: 5.35%, 9YR: 5.30%, 10YR: 5.65%, 20YR: 3.85%

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Clients

In Their Words: Experiences That Inspire Confidence

“The team at Diversified Insurance is very knowledgable. I used them for a variety of insurance related topics and they were quick and personal with their service. Another one of my favorite things about this business is there is no automated message that picks up when you call, you get a live person! A great family business!”

“I am extremely happy with the level of service that this agency provides. The Stolz family have been very responsive and great to work with! They always go above and beyond to communicate when needed.”

“These agency is TOP NOTCH. Jason is my “go to” guy on many of my life insurance cases. They are fast, professional and willing to go the extra mile. The whole staff is friendly and helpful. I have referred several colleagues to them and give them 5 stars!!”

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“I enjoy working with Diversified. I have worked with Jason, Karen, and Margaret and they are all very knowledgeable and helpful. Diversified Insurance is my go to company for life and long term care cases.”

“Diversified has excellent service! They always answer my questions promptly. They answer all of my questions and they work with some of my most difficult cases! They are wonderful!”

“Helpful, knowledgeable, eager to help, and quick with answers to questions-what’s not to love? I’ve worked with DIB since the late 90s and consider them key partners in my work.”

“Have been using DIB for over a year now and they are very responsive! They also provide access to a good array of companies that I can provide service to my clients.”

Our Services

Financial protection means something different to everyone.

This is why we provide tailored insurance and annuity solutions to help individuals, families, and businesses secure their future with confidence.

Wealth Management

We specialize in high-risk life insurance, providing tailored coverage for individuals with health conditions, hazardous occupations, or other risk factors—ensuring financial protection when others may turn you away.

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We excel in providing comprehensive life insurance solutions, offering tailored coverage to protect your loved ones and secure your financial future—no matter your stage in life.

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We are experts in Medicare solutions, guiding you through your options to find the right coverage for your healthcare needs. With over 200 client referrals, our reputation speaks for itself—trust us to provide the coverage and service you deserve.

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You insure your home and car—now it’s time to protect your most valuable asset: your income.

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Annuities provide a reliable way to grow and protect your retirement income, and with our expertise, we help you find the right solution to secure your financial future.

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Protecting your business is our business.

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Long-term care insurance safeguards your future by covering the costs of extended care, and our dedicated approach helps you find the right plan to protect your assets and independence.

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Group health and life insurance provide essential protection for your employees and their families, and with our expertise, we help businesses find the right plans to attract, retain, and support their workforce

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Burial insurance offers peace of mind by covering end-of-life expenses, and our trusted guidance ensures you find the right plan to ease the financial burden on your loved ones.

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Timeline

The Diversified Timeline

1980

Diversified Insurance Brokers Founded in Basement

1986

Purchased Our First Office

1990

$10 Million in Premiums Issued to Our Clients

2008

2nd Generation of the Stolz Family Joins the Family Business

2015

40k Happy Clients Served

2020

$350 Million in Premiums Issued

2025

Over 100k Clients Served

Frequently Asked Questions (FAQs)

Visit Our FAQ’s To Get Answers For Your

Questions

What is the difference between a true bonus and a benefit base bonus?

A true bonus is an upfront percentage added to the account value, meaning it is real money that can be withdrawn under the terms of the contract. A benefit base bonus, on the other hand, is only used to calculate future income and does not increase the actual account value available for withdrawal.

Why doesnt my advisor like annuities?

Many advisors focus on assets under management (AUM) and may not offer annuities because they don’t generate ongoing advisory fees. Additionally, there are misconceptions about annuities being expensive or complex, though modern annuity products offer competitive benefits and flexibility.

What are the different types of burial insurance?

  • Level Benefit: Offers full coverage from day one and is typically available to those in good health.
  • Graded Benefit: Pays a partial benefit if death occurs within the first 2-3 years, then full benefits after that period.
  • Guaranteed Issue: No health questions, but a waiting period (usually 2-3 years) before full benefits are paid.

Can I purchase burial insurance for someone else?

Yes, you can buy burial insurance for a family member, such as a parent or spouse, as long as you have their consent and an insurable interest.

When should I buy long-term care insurance?

The ideal time to purchase LTC insurance is in your 50s or early 60s when premiums are lower and you are more likely to qualify for coverage. Waiting too long may result in higher costs or denial due to health conditions.

What does long-term care insurance cover?

LTC insurance covers a range of services, including:

  • Home health care
  • Assisted living facilities
  • Nursing homes
  • Adult day care
  • Hospice care
  • Memory care for Alzheimer’s and dementia patients

What are the different types of Medicare?

  • Part A (Hospital Insurance) – Covers inpatient hospital stays, skilled nursing facilities, hospice care, and some home health care.
  • Part B (Medical Insurance) – Covers doctor visits, outpatient care, preventive services, and some home health care.
  • Part C (Medicare Advantage) – A private insurance alternative to Original Medicare that often includes additional benefits like vision, dental, and prescription drug coverage.
  • Part D (Prescription Drug Coverage) – Helps cover the cost of prescription medications.

What happens if I don’t enroll in Medicare on time?

If you delay enrolling in Part B or Part D without qualifying for a Special Enrollment Period, you may face permanent late enrollment penalties, resulting in higher premiums for life.

Can a smoker get non-smoker rates for life insurance?

Yes, some insurance companies offer non-smoker rates to smokers who have quit for a specified period, typically 12 months or more. Additionally, some companies allow unlimited use and positive nicotine samples for non-cigarette tobacco users—such as those who use chew, cigars, pipes, or other smokeless tobacco—to still qualify for non-smoker rates. Every carrier has different underwriting guidelines, so it’s important to explore options based on your specific situation.

Can I borrow against my life insurance policy?

Yes, if you have a permanent life insurance policy with cash value, you can borrow against it. Loans typically do not require credit checks and may have favorable interest rates, but unpaid loans reduce the death benefit.

Team

Experienced Professionals, Committed to Excellence

Jason Stolz, CRPC, CLTC, is a highly respected financial professional with nearly 20 years of experience in the insurance industry.

Jason Stolz CRPC, CLTC

Jarad Stolz, CRPC, CLTC is a dedicated financial professional with nearly two decades of experience in the insurance industry.

Jarad Stolz CRPC, CLTC

Mike Dusombre CRPC, CLTC Mike Dusombre, CRPC, CLTC, is a highly respected financial professional with deep expertise in life insurance, annuities, long-term care, disability income...

Mike Dusombre CRPC, CLTC

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