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Bow Tie Tom Insurance Agency

  • Helping You Feel More Secure About the Future

    When it comes to protecting your family, your business, and the life you have worked hard to build, it helps to have someone you trust by your side.

    20 Years

    Experience in Life and LTC insurance

    $500m +

    Life insurance benefits in force

    50

    Boutique HNW custom clientele

    Meet With Tom
    Quick Term Life Ins. Quote & Apply

Guidance That Starts With Listening

I help people make thoughtful, confident decisions about life insurance, long-term care insurance, and annuities. My role is to listen, explain your options clearly, and help you choose a path that fits your goals.


The insurance marketplace can be clunky and confusing.  You do not have to sort through it alone.  Let me be your expert guide.


Whether you want to protect your family or implement a more complex strategy to protect your business, the process starts with a simple conversation.


I take the time to understand what matters most to you, answer all your questions and expertly guide you to strategies that will leave you confident, happy and prepared for the future.



Expert Advice
Fully Guaranteed Products

Life Insurance

Quick Term Life Ins. Quote & Apply

Protect the People Who Count on You

Life insurance can help provide financial protection for the people and responsibilities that matter most.

Common needs:

  • Family protection

  • Income replacement

  • Mortgage protection

  • Key-Man / key person coverage

  • Buy-sell planning

  • Legacy planning

How I help:

  • Estimate the right amount of coverage

  • Compare policy options

  • Explain the differences clearly

  • Guide you through the application process

Talk Life Insurance With Tom

Long-Term Care

Plan Ahead for Future Care

Long-term care planning helps protect your savings, your independence, and your family.


Common concerns:

  • In-home care

  • Assisted living

  • Nursing care

  • Rising care costs

  • Protecting retirement savings

  • Reducing the burden on family

  • Maintaining dignity and choice

How I help:

  • Explain how long-term care coverage works

  • Review when it may make sense

  • Compare available options

  • Help you plan before care becomes urgent

  • Make the decision easier to understand

Talk Long-Term Care with Tom

Annuities

Is Your Current Annuity Still Working for You?

Annuities purchased years ago often have low payout rates and high fees.  Our professional review can find more guaranteed income to put back in your pocket and reduce fees.

We review your annuity:

  • Income options

  • Rates and features

  • Fees and limits

  • Surrender period

  • Retirement goals

How I help:

  • Search the market

  • Compare options

  • Look for improvements

  • Explain differences


YES! i WANT MORE RETIREMENT INCOME.

Get Your Annuity Reviewed with Tom

Support for Business Owners, Professionals and Families

I work with people who want to protect what matters make wise decisions for the future:
  • Families who want to protect loved ones
  • Professionals preparing for retirement
  • Retirees concerned about future care costs
  • Retirees looking for safe income strategies
  • Anyone who wants clear guidance from and independent agent they can trust.

Meet with Tom

1. We Start With a Conversation

We talk about your goals, concerns, current plans, and what you want to protect and how to approach the insurance application.

2. We Look at Your Options Together

I explain the choices available to you, answer your questions, and help you understand the benefits and tradeoffs.  Then we do a formal or informal application to see what the premiums will be.

3. You Move Forward With Confidence

Once we know your premium rating, I help you decide the right protection or retirement-income strategy in place and remain available as your needs change.

Tom's Clients say . . . 

Darin & Janice

"Working with Bow Tie Tom was one of the easiest decisions we've made. He's extremely knowledgeable in his industry, and he took the time to truly understand us, listening closely to our interests and concerns, asking thoughtful questions to learn about us both personally and professionally, and tailoring his recommendations accordingly.  He's also helped us think strategically about how to prioritize our investments over time.  
Bow Tie Tom is a true gem."

Kathy

"I’m so thankful to Tom Somers for his expertise and guidance as my husband and I explored long term care insurance. The program he connected us with was affordable, and the benefits are outstanding!  I never expected to need this until perhaps in our 80s or 90s, but a recent unexpected health diagnosis will likely result in a need for this coverage much sooner.   I firmly believe everyone should have long term care insurance.  The peace of mind that comes with knowing we can afford the future required care is immeasurable."

James and Mary

As the parent of an adult son with special needs, I needed permanent life insurance to help fund his Special Needs Trust and provide for him after we are gone. Tom went far beyond simply accepting the first offer. He spent nine months working through medical records and pursuing a better option, ultimately securing a lower premium and potentially saving us hundredes of thousands of dollars. His persistence, expertise, and dedication gave us tremendous peace of mind.