I’m the founder of DeFazio Insurance Brokerage, and I specialize in helping individuals and families lock in the right protection before it becomes expensive—or unavailable. This isn’t about selling policies. It’s about structuring coverage correctly the first time so there are no gaps, no surprises, and no guesswork down the road.

With over 16 years in sales and client strategy, I’ve seen where people get misled, overpay, or end up with coverage that doesn’t actually protect them when it matters. My role is to cut through that—quickly identify what you qualify for, what makes the most sense financially, and how to structure it for long-term flexibility.

As an independent broker, I work with 40+ A and A+ rated carriers. That means we’re not forcing one product—we’re finding the best option based on your health, budget, and goals. More importantly, we focus on policies that include living benefits and real flexibility, not just a payout someday.

I run a very direct, efficient process. We get you properly qualified, review your options, and if it makes sense, we move forward. If not, you’ll at least know exactly where you stand. Either way, you’re walking away with clarity—and that’s the goal.