Life & Health Insurance

What's More Important Than Insuring Your Health?

Our Life & Health Insurance Lines

Medical, Dental, & Voluntary Products

Everyone needs medical health insurance, the hard part is choosing the right one

Life Insurance – Individual & Business

Provide your family and loved ones with the financial security they deserve.

Disability Insurance

You never know what's around the corner, insure your future income.

Life & Health Insurance


Whether buying your first health insurance plan or planning for your future with life insurance, the process of finding the right plan can be complicated and time-consuming. You need an agent who can help you understand options available and find one that fits. At Macomber, Farr, & Whitten, we have life and health insurance specialists prepared to guide in your insurance decisions.


We analyze your current Medical Insurance plan. Then, we compare it to products from all available carriers on and off the marketplace. After reviewing all ACA laws that apply to determine group size and penalties, we discuss your employer and employee mandates.

We also review COBRA, and W-2 reporting rules to determine your best plan. We can meet with employees to go over available options and work closely with the HR department to assist and guide them with enrollment and administration.

We go through the same process for Dental Insurance that we do for medical insurance. After determining your needs and picking the best plan available, we go over benefits, waiting periods, calendar year maximums, deductibles, and network providers.

We work with your HR department to make sure you are clear on what your plan covers in the major areas of dental care including preventative, restorative, and orthodontic care. Voluntary Products include coverage that provides benefits at the time of diagnosis of a life-threatening illness, an accident, surgery, or unexpected extended hospital stay.


One of the greatest gifts you can leave behind for your loved ones is financial security. Your needs change over time with important milestones like marriage, divorce, homeownership, parenthood, college tuition, and retirement. We review the types of insurance available to evaluate the best options for you and your family.

Term Life Insurance is a low-cost, temporary coverage for short-term goals. Structured to provide protection during the length of a home mortgage, college loan, or while your family grows.

Whole Life Insurance is a simple, guaranteed method to provide lifelong protection. It provides a conservative approach to estate planning.

Universal Life Insurance is a flexible product. If properly funded, the cash value accumulation might allow you to alter your premium payments without jeopardizing your death benefit. Loan options allow you access to cash for unexpected expenses.

The premature death of a business partner can negatively impact your business. In a short time, the loss of income and inadequate cash flow could close your doors, or require you to sell the business. Your surviving family members need financial stability and reassurance.

Our carriers offer Buy-Sell Agreements that can be part of your business succession plan along with traditional life insurance. The loss of a key employee can potentially devastate your business. Key Person Insurance can provide security for their family, and give your business time to attract another quality employee.

Group Term Life Insurance provides your employees with low-cost coverage to help with financial burdens. Your employees leave funds for their families to pay mortgages, debt, college tuition, funeral costs, and daily living expenses.


Many individuals underestimate the importance of insuring their future income. Whether caused by injury or illness, an inability to work creates hardships for your entire family. Individual disability coverage can help you maintain some financial security until you can get back on your feet again. We can help you review waiting periods, cost of living adjustments, catastrophic benefits, residual benefits, and MNDA (mental, nervous, drug, or alcohol) limitations.


At Macomber, Farr, & Whitten, we meet with you for a one on one consultation to determine which coverage is best for you. The personal touch is what sets us apart from generic online providers. We get to know you. Then, we tailor your plan to meet your needs and goals for the future.

We want you to be a lifelong client. For business owners, we come to you for on-site meetings and consultations. We understand business insurance inside and out. With a focus on human resources and industry knowledge, you can trust us to find the right coverage.

Life & Health Insurance Contact

What Our Clients Say

Thank you, Lisa - for all that you have done and all that you continue to do. I will NEVER hesitate to send a client your way, and I will certainly never worry about whether or not they are in good hands.

- January M. Peavey

I wanted to thank you for assisting my grandparents with their business insurance. Your personal attentiveness as well as your attention to detail and hands on service was exceptional. Thank you very much for helping them to get the coverage they need at an affordable price.

- Tracy Bryant

The knowledge your office provides has made the experience positive for the customers I've sent to you. I want to express my sincere gratitude to you for all you do to make the process as stress free as possible.

- Darla Frost

I've always been a bit overwhelmed and hesitant when speaking to to insurance representatives for any type of insurance, but when I started working with Lisa concerning a side venture, all that changed. We ended up with coverage that far exceeded the 'other guys' and for a fraction of the cost. I would recommend her for any of you commercial insurance needs.

- Matthew J Hunt

Dear Peter, Thank you for your great service and care you have shown us. We will be getting our car back Thursday. It was actually a pleasure doing business with you and Macomber, Farr & Whitten… minus our car accident. Thanks again,

- J Walsh & J Sullivan

Peter, I appreciated your personal note that you sent. We have always received excellent service from your agency.

- Anita C.

Year after year, Lynn's insurance knowledge and situational awareness have enabled us to navigate complex changes to our employer sponsored health plan. Last renewal she spotted an overlooked, seemingly minor change in our group census that led to a 9% premium savings for the year.

- - Nathan C.

Working with Lynn has consistently resulted in insurance coverage that is affordable and cost effective. She is always focused on both our needs and resources while working tirelessly exploring all options.

- Thomas G. Warren

Reliable Service Since 1848

It used to be so simple. All an insurance agency had to do was offer a few different types of coverage: home, life, and eventually auto. Things hardly changed from year to year. Today, the world operates in a faster; more complicated manner. More is at stake. There’s a lot more to lose. Consequently, insurance is more complicated, too.

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