You’re serious about protecting your family. So are we.
When there is a loss, whether of a person or an income that your family depends on, it can be emotionally devastating, We’re committed to getting you the type and amount of insurance you need, so the impact of that loss isn’t also financially devastating.
Your protection is our top priority
Whether you need life insurance, disability insurance, long-term care insurance, or any combination of the three, here’s what you’ll get when you work with us.
Financial security for you, your family, and assets
Proper coverage based on your needs and goals
Expert plannng at no cost to you
Unbiased guidance that you can trust
Added peace of mind when facing the unexpected
Keep in mind, as your life changes, your insurance needs can change. Periodic reviews help ensure you’re not at risk of being underinsured or overpaying for insurance you no longer need.
We work with you to get you the right insurance
First, we have a conversation to understand who you are, where you are in life, and what you want your future to look like. From there, we do all the heavy lifting with the insurance carriers to get your coverage options and quotes. After a thorough impartial evaluation, we make a recommendation to you. There will be no high-pressure sell. We’ll have a conversation to guide you toward the best protection for you and your family. The ultimate choice is yours.
01
Get to know your needs
02
Customize your insurance plans
03
Shop for coverage with insurance carrier
04
Assess carriers' offerings
05
Recommend, discuss, and choose
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Go into underwriting with the carrier
07
- Activate your insurance policy
Meet the person behind your protection
Ross Karp
A licensed life, disability, and long-term care insurance professional, Ross started in the industry in 2005. He founded 3P Insurance Services, his independent brokerage, in 2011.
Ross was inspired to join the insurance industry after seeing firsthand what can happen to a family when there isn’t proper insurance coverage after a loss. He doesn’t want that to happen to anyone else. He believes in the human aspect of insurance to protect people, their wealth, families, and lifestyles.
Before starting 3P, Ross spent two years heading up the Life Insurance division for a New York City based Group Benefits and Property and Casualty firm. Prior to that, he was an insurance agent at Guardian Life Insurance Company and New York Life Insurance Company.
Prior to his career shift, Ross was a high school history, psychology, and economics teacher. He credits his extensive classroom training for his ability to make complicated concepts (like insurance) easy to understand. He is also an avid sports fan.