Who We Are? What Drives Us?
D Waddy Insurance
Donte Waddy is a trusted Wisconsin insurance agent with over 10 years experience serving his clients in the financial, insurance, and real estate industry. Specializing in Property & Casualty and Life with access to the top insurance carriers, D Waddy Insurance Brokerage is sure to have coverage that fits your needs and budget.
D Waddy Insurance Brokerage sets it's self apart from the rest with outstanding personal service, great rates, and professional industry expertise.
Call us today and see the difference. 1-888-471-3762 Ext: 7003
Life Insurance
PROTECT THE ONES YOU LOVE THE MOST
What is Life Insurance
Life insurance is a contract between an insurer and a policyholder. A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured policyholder dies, in exchange for the premiums paid by the policyholder during their lifetime.
How Life Insurance Works
A life insurance policy can has two main components - a death benefit and a premium. Term life insurance has these two components, but permanent or whole life insurance policies also have a cash value component.
- Death Benefit – The death benefit or face value is the amount of money the insurance company guarantees to the beneficiaries identified in the policy when the insured dies. The insured might be a parent, and the beneficiaries might be their children, for example. The insured will choose the desired death benefit amount based on the beneficiaries’ estimated future needs. The insurance company will determine whether there is an insurable interest and if the proposed insured qualifies for the coverage based on the company’s underwriting requirements related to age, health, and any hazardous activities in which the proposed insured participates.2
- Premium – Premiums are the money the policyholder pays for insurance. The insurer must pay the death benefit when the insured dies if the policyholder pays the premiums as required, and premiums are determined in part by how likely it is that the insurer will have to pay the policy’s death benefit based on the insured’s life expectancy. Factors that influence life expectancy include the insured’s age, gender, medical history, occupational hazards, and high-risk hobbies. Part of the premium also goes toward the insurance company’s operating expenses. Premiums are higher on policies with larger death benefits, individuals who are higher risk, and permanent policies that accumulate cash value.
- Cash Value – The cash value of permanent life insurance serves two purposes. It is a savings account that the policyholder can use during the life of the insured; the cash accumulates on a tax-deferred basis. Some policies may have restrictions on withdrawals depending on how the money is to be used. For example, the policyholder might take out a loan against the policy’s cash value and have to pay interest on the loan principal. The policyholder can also use the cash value to pay premiums or purchase additional insurance. The cash value is a living benefit that remains with the insurance company when the insured dies. Any outstanding loans against the cash value will reduce the policy’s death benefit.
Auto & Home Insurance
COMPARE FROM OVER 30 CARRIERS
Why Choose RetireCo?
RetireCo has access to over 30 carriers to compare and get you the best coverage at the best price. Explore bundling with one carrier versus mixing home and auto with multiple carriers. Why shop with only one carrier when a RetireCo broker can compare and save for you.
KEY TAKEAWAYS
- Auto coverage compared from top rated companies
- One trusted broker across multiple lines of insurance
- Bi-Annual policy reviews to make sure you are still getting the best deal across companies
- Online quoting available for some carriers
Commercial P&C Insurance
COMPARE TOP RATED INSURERS
What is Commercial P&C Insurance
Commercial Property and Casualty Insurance includes policies that are designed to protect businesses from a wide range of accidents, threats and losses regarding belongings and environments. Specifically, the business property insurance portion of these types of policies helps cover buildings and property you own, such as offices, and equipment or tools that your company needs to perform essential functions.
The casualty insurance portion of these policies helps protect your company from liability when accidents happen, like if a customer is injured by one of your products or services. Examples of casualty coverages include:
- Workers’ Compensation
- General Liability
- Errors and Omissions
- Cyber Liability
- Employers Liability Insurance (EPLI)
Commercial property and casualty insurance is key for ensuring your business’ success both now and in the future. From mitigating costs during a major storm to protecting your reputation during a lawsuit, property and casualty insurance is a category of insurance policies that can cover a wide range of risks.
Why Commercial P&C Insurance is Important
Failing to invest in property and casualty insurance is a significant risk for you, your business and your employees. Life is unpredictable, and you can never know when accidents, injuries or other negative events might affect your business.
Having the right property and casualty insurance policies for your business can help prevent financial losses during unexpected events. In addition to covering broken or stolen property, this type of insurance can help your company stay in business when a disaster happens.
Property and casualty insurance policies often come in bundles, such as a Businessowners Policy (BOP) that combines several types of insurance for your business (general liability, property and crime for example). This will help ensure you’re fully covered across all fronts.
Identity Theft Protection
IDENTITY THIEVES NEVER STOP, BE VIGILANT
Don't Worry we Have Partnered With ID360 To Help
Because we live so much of our lives online, our personal information is continually at risk. As it travels through cyberspace, it can be stolen and used for fraudulent purchases, credit card or bank account applications, tax filings and a host of other things that can severely damage your credit or cause other financial headaches that are hard to recover from. Information also can be sold on the “dark web," a hidden part of the internet where criminals can conduct business with relatively little chance of being caught. ID360 provides a comprehensive solution to help fight identity theft based on Prevention, Detection, and Recovery. Developed by former senior law enforcement professionals their service offers a proprietary ID checkup to provide the most in depth identity analysis allowed by law coupled with best in class monitoring and recovery services at a substantial discount to RetireCo clients.