This website is intended as a consumer resource provided by James Shiver, independent insurance agent (NPN 790561). Insurance policies are sold and serviced only where properly licensed and appointed. Policy options and premium rates are subject to availability, underwriting, approval, and applicable state insurance regulations. Information on this website is provided for educational purposes only and should not be considered financial, tax, or legal advice. This site is intended for residents of the United States only. Use of this website constitutes acceptance of ourTerms of Use and Privacy Policy.