Business Details
11 Years
experience
Your Trusted Insurance Partner in Cottleville, MO
Diversified Insurance Group was established to address the insurance and financial needs of businesses, individuals, and nonprofit organizations across Missouri, Illinois, and neighboring states. As an independent brokerage, we collaborate with leading financial institutions and local partners to deliver tailored solutions that align with each client's unique goals. Our commitment to personalized service ensures clients receive proactive guidance, leveraging decades of industry experience and strategic relationships. We prioritize understanding clients' businesses to develop customized strategies that promote long-term financial security. With expertise in employee benefits, retirement planning, and estate management, we empower clients to navigate complex decisions with confidence.Our team's dedication to diversity and inclusion strengthens our ability to serve evolving community needs. Backed by major carriers yet focused solely on client interests, we provide comprehensive solutions that adapt to changing market dynamics. Our founders' extensive backgrounds in corporate engineering, healthcare, and insurance inform our holistic approach to risk management and financial planning. We measure success by our clients' ability to achieve their objectives while maintaining peace of mind. Through continuous education and innovative partnerships, we remain at the forefront of industry developments to better serve our clients.
Services
Employee Benefits Consulting
Health Insurance
Retirement Planning
Estate Planning
Property & Casualty Insurance
Long Term Care Insurance
Business Continuation Planning
Veterans Benefits
Financial Education Seminars
Disability Insurance
Details
- Year established: 2015
Highlights and features
- We offer 30+ years of industry experience in insurance and financial planning
- Our independent brokerage model provides access to multiple carriers' solutions
- We specialize in customized strategies for business owners and retirees
- Our proactive approach identifies risks before they become problems
- We maintain strategic partnerships with top-tier financial institutions
Services
Employee Benefits Consulting
We design comprehensive employee benefit packages tailored to business needs. Our consultants analyze organizational requirements and market options to create competitive health, dental, and retirement plans. Services include HRA, HSA, and 401(k) planning, ensuring compliance with evolving regulations while optimizing cost-effectiveness for employers.
Retirement Planning
Our retirement specialists develop personalized strategies for business owners and individuals. We coordinate SEP plans, IRAs, and deferred compensation arrangements while considering tax implications and long-term care needs. The approach integrates estate planning considerations and veterans' benefits to ensure financial security during retirement transitions.
Estate Planning
We create comprehensive estate plans addressing tax reduction, charitable giving, and special needs provisions. Services include wills, trusts, and veterans' benefit planning, ensuring assets are distributed according to client wishes while minimizing legal complexities for heirs.
Property & Casualty Insurance
Our commercial insurance solutions cover liability, workers' compensation, and business interruption risks. We tailor policies for different industries, including specialized coverage for property damage and operational disruptions, ensuring businesses maintain continuity during unexpected events.
Veterans Benefits
We specialize in maximizing veterans' benefits through specialized insurance products and financial planning. Services include VA-linked insurance options, disability coverage, and retirement strategies that recognize military service contributions while addressing unique transition needs.
People
Rick Gary
Sr. Managing Partner
With 30+ years in insurance, Rick brings expertise from GE, CIGNA, and MetLife. He focuses on understanding client businesses to develop tailored solutions, emphasizing ethical practices and regulatory compliance.
Rene J. Sigmund
Managing Partner
Rene combines 35+ years of insurance experience with public relations background. She specializes in business continuity planning and veterans' benefits, advocating for diversity in financial services through personalized client strategies.
Questions
What types of insurance services do you offer?
We provide employee benefits, health insurance, retirement planning, estate planning, property & casualty insurance, and specialized coverage for veterans.
How are you different from traditional insurance carriers?
As an independent broker, we represent clients rather than specific carriers, offering solutions from multiple providers to find optimal matches.
Do you serve clients outside Missouri?
Yes, we serve clients throughout Illinois and neighboring states in addition to Missouri.
What is your approach to retirement planning?
We develop customized retirement strategies considering tax implications, income needs, and estate planning goals using diverse financial instruments.
How do you handle business continuity planning?
We implement business continuation plans, key person insurance, and disability coverage to protect against unexpected disruptions.
Do you provide financial education resources?
Yes, we offer worksite seminars, public workshops, and industry updates to enhance financial literacy for businesses and individuals.
