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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

    Schedule a Conversation

Guidance That Starts With Listening

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


Whether you are planning for loved ones, preparing for future care, or looking for a safer retirement-income strategy, you do not have to sort through it alone.


Everyone’s situation is different. Some families are looking for simple protection. Some business owners want to make sure their company can continue if something unexpected happens. Others are thinking about retirement, future care needs, or how to preserve more of what they have built.


The first step is not choosing a product. The first step is a conversation.

I take the time to understand what matters most to you, answer your questions, and help you feel comfortable with the decisions ahead. The goal is simple: to help you feel more prepared, more protected, and more at ease about the future.

Information for Investors and Share Holders

Find out everything you need to know about being in finance.

Life Insurance Coverage

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

  • Term life insurance

  • Income replacement

  • Mortgage protection

  • Key-Man / key person coverage

  • Business continuity

  • Buy-sell planning

  • Legacy planning

How I help:

  • Estimate the right amount of coverage

  • Compare policy options

  • Explain the differences clearly

  • Help avoid overbuying or underinsuring

  • Guide you through the application process

Learn About Life Insurance

Long-Term Care Insurance

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

Learn About Long-Term Care Insurance

Fixed Index Annuity Review

Is Your Current Annuity Still Working for You?

Annuities purchased years ago may not offer the same rates available today. A professional review can help you find better options for your retirement goals.

What we review:

  • Current annuity

  • Income options

  • Rates and features

  • Fees and limits

  • Surrender period

  • Retirement goals

How I help:

  • Review what you own

  • Search the market

  • Compare options

  • Look for improvements

  • Explain differences

  • Avoid unnecessary changes

Learn About Fixed Index Annuities

Why Work With Bow Tie Tom

A Personal Approach to Important Decisions

Insurance and retirement decisions are personal. They affect your family, your future, and the people who may one day depend on the choices you make today.


That is why I believe the process should feel personal too.


When we work together, my goal is to make sure you feel heard, informed, and comfortable. I explain things in plain language, help you compare your options, and stay available when questions come up.


What You Can Expect

Clear explanations
A calm, no-pressure conversation
Help understanding your options
Guidance based on your family, business, and retirement goals
Support through the application process
A relationship that continues after decisions are made
Someone you can call when life changes

Who I Help

Support for Families, Professionals, and Business Owners

I work with people who want to protect what matters and make wise decisions for the future.

That often includes:

Families who want to protect loved ones
Business owners who want continuity and stability
Professionals preparing for retirement
People concerned about future care costs
Retirees looking for safer income strategies
Anyone who wants clear guidance from someone they can trust

1. We Start With a Conversation

We talk about your goals, concerns, current plans, and what you want to protect.

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.

3. You Move Forward With Confidence

When you feel ready, I help you put the right protection or retirement-income strategy in place and remain available as your needs change.

Testimonials

Derick and Jamica

"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."

Cat

"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."

Meet Bow Tie Tom

I believe good guidance starts with listening.

My goal is to help you feel more secure about the future by making insurance and retirement decisions easier to understand. I am here to answer questions, explain the fine print, and help you think through the choices that may affect your family, your business, and your retirement.

You do not have to have everything figured out before we talk. That is what the conversation is for.

Schedule a Conversation

Let’s Talk About What You Want to Protect

Whether you are thinking about life insurance, long-term care insurance, or fixed index annuities, the first step is simple.

We can talk through your questions, your concerns, and the kind of future you want to feel prepared for.

Schedule a Conversation