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Individual Insurance Services

John J. Boyd individual insurance experts will work with you to understand your needs and help you select the best available plan.

As an independent insurance agency, we’ve helped thousands of individuals decide on life, health and personal accident insurance coverage that fits their specific needs.

Why should you buy LIFE INSURANCE?

  • Pay final expenses
  • Cover children’s expenses
  • Replace the spouse’s incom
  • Pay off debts
  • Buy a business partner’s shares
  • Pay off estate taxes

Why do you need HEALTH INSURANCE?

With the Affordable Care Act mandating that most Americans purchase health insurance, some people – especially those who are young or healthy – are questioning why they need coverage at all. Like auto insurance, health insurance is a service you pay for but hope you will never need.


Long-term disability (LTD for short) is a relatively straightforward product that does what it says: it protects you during lengthy periods of disability when you’re unable to work. It’s often described as income replacement insurance, because during the disability period when you’re not getting a paycheck.

Insurance can seem complicated and overwhelming. Contact John J Boyd at (586) 314-3400 and a member of our team will assist you.