Michael Vance

With over 12 years of experience in the U.S. insurance industry, I help individuals, families, and business owners protect what matters most. As a Licensed Insurance Specialist holding CLU® (Chartered Life Underwriter) and CPCU® (Chartered Property Casualty Underwriter) designations, I specialize in comprehensive coverage strategies tailored to complex financial landscapes. My expertise covers Commercial Property & Casualty, Comprehensive Life Insurance, High-Net-Worth Personal Lines, and Liability Risk Management. I work independently to analyze market options, negotiate policies with top-rated national carriers, and construct personalized risk portfolios that offer robust protection and maximum tax efficiency. Whether you are scaling a growing business, securing your family’s financial future, or optimizing your current coverage against emerging risks, my goal is to deliver clarity, transparent guidance, and reliable claim-time support. Specialties: • Commercial & Business Liability Insurance • High-Net-Worth Home & Asset Protection • Term & Permanent Life Insurance Solutions • Employee Benefits & Group Health Strategies • Comprehensive Risk Assessment & Audit