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Committed to providing our customers with the

exceptional service they deserve

Second Opinion Insurance Agency offersย a complete collection of home, auto, life and business insurance.

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Second Opinion Insurance Agency

Service is what truly separates us from other insurance agencies.

At Second Opinion Insurance agency, we truly understand that life is full of daily stresses and anxiety. We recognize how hard each and every one of our customers have worked for their home, autos and even their businesses that they entrust us to protect. We try to assure all of our customers that we will always be there for them when they need us and that their insurance is one less thing they will need to worry about.

About Our AgencyJoin Our Team

Our Agency Facts & Stats

In business for over 55 years

Family owned and operated agency

Service sets us apart

Leading provider of Nationwide Insurance

Two convenient locations

We insure everyone, we don't turn anyone away

Our Location

Also providing service throughout Pennsylvania in Uniontown, Pittsburgh and Washington and in West Virginia, Ohio, Virginia, South Carolina, Florida, and Maryland.

McClellandtown, PA

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Second Opinion Insurance Agency + IA&B

We are proud members of Insurance Agents & Brokers.

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There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness Insurance
Life
Providing for Your Family
Risk Factor

Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?

Solution

Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.

Mortgage Payments
Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.

Auto Payments
Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs
Risk Factor

An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?

Solution

A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings
Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.

Solution

Life insurance can help support a surviving spouse during their retirement.

Protecting Your Small Business
Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.

Solution

A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceasedโ€™s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement
Risk Factor

Many people mistakenly think that they donโ€™t need life insurance if they donโ€™t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.

Solution

Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.

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