Guidance today. A brighter tomorrow.
We compare available insurance options and explain the differences in plain English. You decide what you want to purchase.
No obligation. Starting a review does not change or bind any coverage.
Multiple insurance companies. One relationship.
Local help when you need it.
Understand the options you are considering.
You make the final insurance selections.
Start with your situation. We will help with the insurance part.
New or prospective customer
Whether you're shopping for the first time, your rates changed, or you simply want a second opinion, we'll help you understand the options available to you.
Start an Insurance ReviewWe explain the options. You decide what you want to purchase.
Current Beacon Point customer
Use the Client Portal to request policy changes, access documents, request certificates, get claim information, ask service questions, and more.
Open Client PortalSubmitting a service request does not bind, modify, or cancel coverage until the requested change is confirmed.
We ask questions about your situation and the insurance you currently carry.
Based on the information you provide, we can obtain and compare available options from the insurance companies we represent.
We help you understand important differences in coverage, limits, deductibles, policy terms, and price.
You select the company, coverages, limits, deductibles, and options you want to purchase.
Insurance decisions can get complicated. You will have an actual Beacon Point professional available to explain your options and answer your questions.
A clear summary to help you understand what you currently have and the options you may want to consider.
Then you decide which carrier, coverages, limits and deductibles you want to purchase.
Start an Insurance Review| Current coverage | As shown on your declarations page | Current |
|---|---|---|
| Deductibles | What you carry today, side by side | Reviewed |
| Coverage considerations | Gaps and choices worth discussing | Option to Consider |
| Optional coverages | Available add-ons explained plainly | Option to Consider |
| Carrier alternatives | Options from the companies we represent | Compared |
| Price comparison | What each option would cost | Compared |
Illustration only. The sections in your review depend on the information and documentation you provide.
Plain-English explanations of the questions we get asked most.
Auto
In Missouri, auto insurance generally follows the vehicle, not the driver. Here is what permissive use means and where the exceptions sit.
Business
NOC means "Not Otherwise Classified" — a catch-all workers compensation class code used when no more specific one fits. Here is why the distinction matters.
Auto
PD means Property Damage liability — the coverage that pays for damage you cause to someone else's property. Here is where it sits on your policy.
The short answers. Call (816) 254-6100 if yours is not here.
No. Starting a review does not change, bind, or cancel any coverage. Your current policy stays exactly as it is.
A review is a conversation. We look at what you have now, compare available options from the companies we represent, and explain the differences. Nothing changes unless you decide to make a change and that change is confirmed by Beacon Point Insurance Group or the applicable insurer.
No. We provide information, comparisons, and coverage considerations based on what you tell us about your situation. You decide which carrier, coverages, limits, deductibles and optional coverages you want to purchase.
If we suggest something worth considering, we will explain why we think it is worth a look — and it remains your decision.
No. Most people start with a situation rather than a coverage name — rates went up, buying a house, adding a teen driver, turning 65, the business changed.
Tell us what is going on and we will handle the insurance vocabulary. Part of the job is explaining what the terms mean so the choices in front of you make sense.
Yes. Send us your current declarations page and we will walk through it with you in plain English — what each line means, what your deductibles are, and what options you may want to consider.
The review is based on the information and documentation you provide, so the more complete that is, the more useful the comparison will be.
No. Submitting a request does not bind, modify, add, remove, or cancel coverage. The requested change is not effective until it is confirmed by Beacon Point Insurance Group or the applicable insurance company.
If you have not received confirmation, please call us at (816) 254-6100 rather than assuming the change is in place.
No obligation. Starting a review does not change or bind any coverage.
