Big Enough to Serve.
Small Enough to Care.

Diversified Insurance Brokers

Family-Owned Since 1980 with 100+ Carriers to Quote.

Independent Broker Advice. More Choices. Better Solutions.

As an independent brokerage, we shop life insurance, annuities, Long Term Care, Disability Insurance, Medicare plans, and more across multiple carriers to help you find coverage that fits your goals, budget, and legacy plan.

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Why Use an Independent Broker:

When it comes to insurance decisions—whether you’re looking for the right life insurance broker, exploring annuity options, or managing disability coverage—working with an independent broker gives you a distinct advantage.

Unlike captive agents who represent a single company, an independent insurance agent has access to 100+ top-rated carriers and can tailor solutions to your specific needs. Whether you need Medicare planning, long-term care protection, or group health coverage, an independent broker saves you time by comparing options across the full marketplace.

At Diversified Insurance Brokers, Jason Stolz (CLTC, CRPC, DIA, CAA) brings 25+ years of experience placing life, disability, long-term care, and group health insurance for individuals, families, and business owners nationwide. His expertise in annuities is equally unmatched. Tonia Pettitt (CMIP©), our Medicare specialist, offers 40+ years of expertise helping clients navigate the complexities of healthcare coverage. Together with our team, we act as your advocate—supporting you through the claims process and ensuring you receive the best coverage at the best value. Get expert guidance from advisors who work for you, not for an insurance company. Learn more about our editorial standards and commitment to transparent, client-focused advice.

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Free Resources

The Diversified Insurance Playbooks
Explore our full library of insurance playbooks—covering annuities, Medicare, long-term care, high-risk life insurance, and more. Click below to access expert guidance from Diversified Insurance Brokers and find the right strategy for your needs.

Download a Playbook

Diversified Insurance Podcasts
Tune into our podcast library for real-world insights, expert strategies, and practical tips across annuities, Medicare, long-term care, life insurance, and more. Listen to hear how Diversified Insurance Brokers helps clients make smarter financial decisions every day.

Listen to our Podcast

What Our Clients Are Saying

Real Experiences. Real Peace of Mind.

Read all of our Reviews!

         Posted on Google  
   
   Kevin Gebo 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jason made shopping for disability insurance easy. He sent fast, clear side-by-side quotes, gave honest advice, advocated for me with underwriting, and was quick to respond every step of the way. Highly recommend!

Owner's reply
Thank you for the kind words. As an independent disability insurance broker, shopping the market to provide you the best possible quote is our goal. We are here to help as needed, thank you!
  
 
      Posted on Google  
   
   Lawrence Gallegos 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team at Diversified Insurance was great to work with. I had pre-existing conditions and was worried that I could not get coverage. I messaged their team, and Jason immediately reached out to me. I am now covered and very happy!  This is a great team to work with. They are quick and very responsive to questions. I made a great choice in reaching out to them.

Owner's reply
Thank you for the kind feedback! As an independent life insurance broker, we prescreen the entire marketplace to find what fits best for you. Thank you again for working with us!
  
 
      Posted on Google  
   
   Cayden Jones 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jason was very helpful!

Owner's reply
Thank you for the kind words! We are always here to help.
  
 
      Posted on Google  
   
   Jeffrey Tanner 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jason did a great job finding a policy at a great rate! Highly recommend working with him for all Life Insurance needs!

Owner's reply
Thank you for the kind feedback! We are pleased to prescreen the market as an independent insurance broker to find you the best fit based on your specific scenario.
  
 
      Posted on Google  
   
   Keith Landsberg 
 
 
 
 Trustindex verifies that the original source of the review is Google. Our company works with Diversified Insurance Brokers as a disability insurance general agency, and their expertise in other product lines has been a big asset for our customers. When clients need life insurance, including hard to place cases, or need help with annuities and long term care planning, Jason Stolz and his team know these products inside and out. They respond quickly, explain options clearly, and take great care of every client we send their way. Having Diversified as a partner means our customers can get the rest of their protection planning handled by people who really know it. Highly recommend them.

Owner's reply
Thank you for the kind words, we very much value our relationship with you for the disability insurance, which gives us access to all of the major carriers so we can place our customers with the best option for their specific occupation and income. As an independent insurance broker, having one of the largest selection of annuity, life insurance, disability insurance and long term care insurance contracts in the country, we know we are offering the absolute best option for our customers in all lines. Thank you!
  
 
      Posted on Google  
   
   Dave Demeo 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience. Have already recommended to other business owners.

Owner's reply
Thank you for the kind words and feedback! As an independent disability insurance broker, we are always happy to prescreen the entire marketplace to find the best option based on your specific scenario. Thank you!
  
 
      Posted on Google  
   
   Eddy Tufford 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience working with Jason on a life insurance policy for my wife. The process was fast and painless, and Jason was very responsive, listened to our needs and concerns and helped us find a policy that met our needs. Highly recommend working with Jason!

Owner's reply
Thank you for the kind feedback! As an independent life insurance and annuity broker, we are very pleased to prescreen the entire marketplace for the best options based on specific scenarios. Here to help as needed going forward too. Thank you!
  
 
      Posted on Google  
   
   Jonathan Kurinsky 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jason was very helpful!

Owner's reply
Thank you for the kind words!
  
 
      Posted on Google  
   
   Josh King 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience with Jason and team. Thank you!

Owner's reply
Thank you for that! We are pleased to have been able to prescreen the full life insurance marketplace with you, with a positive result after underwriting. Thank you again!
  
 
      Posted on Google  
   
   Family Hepworth 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Jason Stolz and the team at Diversified Insurance Brokers has been an absolute game-changer. As someone navigating life insurance options, I was genuinely impressed by their transparency, patience, and expertise. They made the entire process seamless from start to finish, answered every single question I had, and explained everything in clear, plain English without any pressure. If you are looking for guidance and a team that truly looks out for you, I cannot recommend them enough!

Owner's reply
Thank you for the kind words! As an independent life insurance and annuity broker, we are very pleased to offer one of the largest selection of insurance carriers in the country. Prescreening the underwriting to find the best option based on your specific scenario. Thank you again we appreciate it!
  
 
  
  Load more
 
 
      Verified by Trustindex  Trustindex verified that these reviews were published on Diversified Insurance Brokers, Inc.'s Google Business Profile. Learn more

Trusted Results. Proven Experience. Unmatched Access.
With over 100,000 clients served, $0 lost to the markets, and $500 million in issued premiums, we deliver expert guidance, top carrier access, and tailored protection—built on trust since 1980.

Clients Served

Lost to Markets

Top Insurance Carriers

Premiums Issued

Financial Protection Means Something Different to Everyone

That’s why we provide personalized insurance and annuity solutions designed to fit your unique financial goals—whether you’re protecting your family, growing retirement income, securing your business, or covering long-term care needs.

With access to over 75 of the nation’s top-rated insurance carriers—including names like Mutual of Omaha, Lincoln Financial, Pacific Life, and Nationwide—we’re not tied to one company. That means we can search the entire market to find the best products, rates, and terms for your specific needs.

We make it easy to compare plans, get expert advice, and secure coverage confidently—without pressure or hidden fees.

Click below to explore each product line and find the right protection for your future.

High Risk Life Insurance

We specialize in high-risk life insurance, providing tailored coverage for individuals with health conditions, hazardous occupations, or other risk factors ensuring financial protection when others may turn you away.

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Life Insurance

We excel in providing comprehensive life insurance solutions, offering tailored coverage to protect your loved ones and secure your financial future no matter your stage in life.

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Medicare

We specialize in Medicare solutions, helping you navigate your options to find the right coverage for your health and budget. With over 200 client referrals and decades of experience, our reputation is built on trust, service, and results. Let us simplify Medicare so you can enroll with confidence.

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Disability

You Insure Your Home and Car—Now Protect What Matters Most: Your Income
Your ability to earn a living is your greatest financial asset. Disability insurance helps replace lost income if an illness or injury keeps you from working, ensuring you can maintain your lifestyle and protect your future—no matter what life brings.

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Annuities

Guaranteed Growth and Lifetime Income You Can Count On.
Annuities offer a powerful way to grow your savings, protect against market risk, and create reliable income for retirement. With access to top-rated carriers and deep industry expertise, we help you find the right annuity solution to secure your financial future with confidence.

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Business Insurance

Protect What You’ve Built—So Your Business Can Thrive
From Key Person coverage to Buy-Sell and Contract Indemnity Insurance, we offer tailored solutions to safeguard your leadership, ownership agreements, and long-term stability.
Click below to apply for the coverage that fits your business best.

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Long Term Care Insurance

Protect Your Independence with Long-Term Care Insurance
Long-term care insurance helps cover the high costs of extended care—whether at home, in assisted living, or a nursing facility—so you don’t have to drain your savings or burden your loved ones. Our personalized approach ensures you find the right plan to protect your assets, preserve your independence, and plan for the unexpected with confidence.

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Group Insurance

Protect Your Team. Strengthen Your Business.
Group life, health, and disability insurance offer essential protection for your employees and their families—helping you build a stronger, more resilient workforce. With our expert guidance, we help you find the right combination of benefits to attract top talent, boost retention, and support your team’s well-being every step of the way.

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Burial Insurance

Burial Insurance That Protects Your Family From Financial Stress
Burial insurance provides peace of mind by covering funeral costs, medical bills, and other end-of-life expenses—so your loved ones aren’t left with the burden. With our trusted guidance, you’ll find a plan that fits your needs and ensures your family is cared for when it matters most.

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Short Term Medical

Short Term Health Insurance That Fills the Gaps
Short term health insurance offers fast, flexible coverage when you’re between jobs, waiting for benefits to start, or experiencing a temporary transition. We help you find affordable plans that protect you from unexpected medical costs—without the long-term commitment.

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Social Security

Make the Most of Your Social Security Benefits
When and how you file for Social Security can make a big difference in your lifetime income. Our experts analyze your unique situation to help you maximize your benefits, avoid costly mistakes, and create a smarter retirement income strategy. Click below to schedule a FREE Social Security consultation.

Learn More

Special Needs Life Insurance

Special Needs Life Insurance for Long-Term Peace of Mind
Planning for a loved one with special needs requires thoughtful protection. We help families secure life insurance solutions that fund special needs trusts—ensuring long-term care, preserving benefit eligibility, and protecting their financial future.

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Licensed and Appointed in Every State.

From our Headquarters in Atlanta, we operate across the United States. No matter where you live, we’re here to serve you!

Answers to Common Questions about the Insurance Products we Provide.

Annuities

What is the difference between a true bonus and a benefit base bonus?

A true bonus is an upfront percentage added to the account value, meaning it is real money that can be withdrawn under the terms of the contract. A benefit base bonus, on the other hand, is only used to calculate future income and does not increase the actual account value available for withdrawal.

Why doesn’t my advisor like annuities?

Many advisors focus on assets under management (AUM) and may not offer annuities because they don’t generate ongoing advisory fees. Additionally, there are misconceptions about annuities being expensive or complex, though modern annuity products offer competitive benefits and flexibility.

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Burial Insurance
What are the different types of burial insurance?

Level Benefit: Offers full coverage from day one and is typically available to those in good health.

Graded Benefit: Pays a partial benefit if death occurs within the first 2-3 years, then full benefits after that period.

Guaranteed Issue: No health questions, but a waiting period (usually 2-3 years) before full benefits are paid.

Can I purchase burial insurance for someone else?

Yes, you can buy burial insurance for a family member, such as a parent or spouse, as long as you have their consent and an insurable interest.
Learn More
Long-Term Care Insurance
When should I buy long-term care insurance?

The ideal time to purchase LTC insurance is in your 50s or early 60s when premiums are lower and you are more likely to qualify for coverage. Waiting too long may result in higher costs or denial due to health conditions.

What does long-term care insurance cover?

LTC insurance covers a range of services, including:

Home health care

Assisted living facilities

Nursing homes

Adult day care

Hospice care

Memory care for Alzheimer’s and dementia patients
Learn More
Medicare
What are the different types of Medicare?

Part A (Hospital Insurance) – Covers inpatient hospital stays, skilled nursing facilities, hospice care, and some home health care.

Part B (Medical Insurance) – Covers doctor visits, outpatient care, preventive services, and some home health care.

Part C (Medicare Advantage) – A private insurance alternative to Original Medicare that often includes additional benefits like vision, dental, and prescription drug coverage.

Part D (Prescription Drug Coverage) – Helps cover the cost of prescription medications.

What happens if I don’t enroll in Medicare on time?

If you delay enrolling in Part B or Part D without qualifying for a Special Enrollment Period, you may face permanent late enrollment penalties, resulting in higher premiums for life.
Learn More
Life Insurance

Can a smoker get non-smoker rates for life insurance?

Yes, some insurance companies offer non-smoker rates to smokers who have quit for a specified period, typically 12 months or more. Additionally, some companies allow unlimited use and positive nicotine samples for non-cigarette tobacco users—such as those who use chew, cigars, pipes, or other smokeless tobacco—to still qualify for non-smoker rates. Every carrier has different underwriting guidelines, so it’s important to explore options based on your specific situation and avoid making a mistake during the application process.

Can I borrow against my life insurance policy?

Yes, if you have a permanent life insurance policy with cash value, you can borrow against it. Loans typically do not require credit checks and may have favorable interest rates, but unpaid loans reduce the death benefit. These types of policies can owned by individuals and businesses if used for Key Person or Buy Sell Insurance.

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Team

Experienced Professionals, Committed to Excellence

Jason Stolz CRPC, CLTC, DIA, CAA

Jason is a highly respected financial professional with nearly 20 years of experience in the insurance industry. His insurance career began in 2010, and through hard work, dedication, and an unwavering commitment to his clients, he has become one of the top advisors in the country concerning insurance and annuities.

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As a graduate of Auburn University, he is licensed in Georgia and is renowned for his deep expertise in life insurance, annuities, and long-term care planning. His ability to navigate the industry’s complexities and provide customized solutions has made him a trusted advisor to individuals, families, and businesses seeking financial security.

Jason’s approach is rooted in a client-first philosophy, ensuring that every recommendation aligns with the long-term goals and needs of those he serves. He takes pride in helping clients safeguard their financial future through comprehensive life insurance strategies, income-generating annuities, or long-term care planning designed to protect assets and preserve independence. His knowledge and insight have positioned him as a leader in the industry, earning the respect of colleagues and clients alike.

Beyond his professional accomplishments, Jason is passionate about music and film, appreciating the artistry, creativity, and storytelling that both mediums bring to life. He enjoys spending quality time with his family, including his wife, Kaylyn, and their child. Whether it’s a relaxing night watching a favorite movie, exploring new music, or engaging in meaningful conversations with loved ones, Jason values the moments that bring joy and connection. His dedication to both his career and his family reflects his core values of integrity, loyalty, and a commitment to excellence in all areas of life.

Schedule a FREE consultation with Jason

Mike Dusombre, CRPC, CLTC

Mike is a highly respected financial professional with over 20 years of experience in insurance and retirement planning. He’s known for making complex decisions simple, helping clients confidently navigate life insurance, annuities, long-term care, and retirement income strategies. With decades of hands-on experience and a client-first approach, Mike provides trusted guidance to individuals, families, and business owners seeking clarity, protection, and dependable lifetime income.

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Mike has spent more than two decades building plans that fit real lives and real budgets. Serving clients nationwide, he specializes in life insurance (including high-risk and business needs), fixed and fixed indexed annuities for reliable income, and coordinated planning with long-term care and disability protection—so each plan works together to safeguard assets and preserve independence.

A natural explainer, Mike turns industry jargon into plain English. Whether he’s designing a tax-efficient income plan, structuring coverage for a growing family, or solving a tricky underwriting scenario, he brings patience, clarity, and a steady hand. Clients trust his calm demeanor, meticulous attention to detail, and unwavering commitment to doing what’s right—every time.

At Diversified Insurance Brokers, Mike is known as much for relationships as results. He’s hands-on from start to finish—education, plan design, implementation, and ongoing service—so clients always feel informed, protected, and confident about the future.

Schedule a FREE consultation with Mike

Jarad Stolz, CRPC, CLTC

Jarad Stolz is a highly respected financial professional with nearly 20 years of experience in the insurance and retirement planning industry. Through hard work, dedication, and an unwavering commitment to his clients, he has become a trusted name in life insurance, annuities, and long-term care planning for families and business owners alike.

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Jarad is known for turning complex choices into clear, customized strategies. Whether he’s structuring income-generating annuities, designing comprehensive life insurance plans, or preparing clients for the costs of long-term care, his guidance is always tailored to each client’s goals, risk comfort, and timeline. That client-first approach has earned him the confidence of the people he serves and the respect of colleagues across the industry.

Rooted in transparency and service, Jarad’s philosophy is simple: every recommendation should align with the long-term outcomes clients care about most—protecting assets, creating reliable income, and preserving independence. His steady leadership and thoughtful planning have helped countless households build durable financial security.

Outside the office, Jarad is a devoted husband and father who values time with family and giving back to his community. Those who work with him quickly recognize the qualities that define his career and character: integrity, loyalty, and a commitment to doing what’s right—every time.

Schedule a FREE consultation with Jarad

Tonia Pettitt, CMIP©

Tonia Pettitt is recognized as one of the leading Medicare specialists at Diversified Insurance Brokers, bringing both expertise and compassion to a field that can often feel confusing for retirees. With years of hands-on experience guiding individuals through the complexities of Medicare, Tonia has developed a reputation for simplifying choices and helping clients find coverage that truly fits their needs and budgets.

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Her focus is on making Medicare understandable. From Original Medicare and Medicare Advantage to prescription drug coverage and Medigap policies, Tonia takes the time to walk each client through their options step by step. She believes no one should feel overwhelmed when making decisions about healthcare, and she prides herself on creating clear, customized strategies that offer confidence and peace of mind.

Clients consistently praise Tonia for her patience, knowledge, and ability to listen. She sees every conversation as an opportunity to empower people with the information they need to make the best decision for themselves and their families. As part of the Diversified Insurance Brokers team, she extends the firm’s commitment to integrity, service, and putting clients first.

Outside of work, Tonia values spending time with her family and enjoys being active in her community. Her warmth and approachable nature carry through both professionally and personally, making her not just a Medicare advisor but a trusted partner in planning for the future.

Schedule a FREE consultation with Tonia

Financial Protection Essentials

Carrier reviews, senior burial planning, high-risk underwriting guidance, and final expense planning tools.

Is Gilico a Good Insurance Company? Best Burial Insurance for Parents Over 80 Life Insurance for Truck Drivers Life Insurance for Multiple Sclerosis Final Expense Insurance Calculator Life Insurance for Sickle Cell Anemia Concierge Wealth Services 45 Years of Trusted Expertise About Diversified Insurance Brokers

Frequently Asked Questions About Diversified Insurance Brokers

What is an independent insurance broker?

An independent insurance broker represents you — not an insurance company. Unlike captive agents who are tied to a single carrier, an independent broker like Diversified Insurance Brokers shops your coverage across 100+ carriers to find the best rates, terms, and products for your specific situation.

How long has Diversified Insurance Brokers been in business?

Diversified Insurance Brokers has been family-owned and operated since 1980. With over 45 years of experience, we have served thousands of clients across all 50 states.

What states are you licensed in?

We are licensed in all 50 states. Whether you are in Georgia, California, New York, or anywhere else in the country, our team can assist you with insurance and retirement planning.

What types of insurance does Diversified Insurance Brokers offer?

We offer a comprehensive range of insurance and financial products including life insurance, annuities, disability insurance, Medicare plans, long-term care insurance, burial insurance, group health insurance, short-term medical, and Social Security planning guidance.

How many insurance carriers do you work with?

We maintain active contracts with more than 100 top-rated insurance carriers. This gives us the ability to compare a broad and competitive marketplace on your behalf rather than limiting you to a single company’s products.

Is there a cost to work with Diversified Insurance Brokers?

No. Our services are provided at no direct cost to you. We are compensated by the insurance carriers when a policy is placed, which means you receive independent, expert guidance without paying out of pocket for our advice or recommendations.

Do you have a licensed underwriter on staff?

Yes. Jason Stolz, CLTC, CRPC, DIA, CAA serves as our Chief Underwriter with more than 25 years of experience. Having an in-house underwriter means we can prescreen cases before formal submission, protecting your MIB record and improving your chances of approval at the best available terms.

Can I get a second opinion on an insurance quote I already received?

Absolutely. We regularly review quotes and policies that clients received elsewhere. Our second opinion service compares your existing offer against the full marketplace to ensure you are receiving the best available coverage at the best available price.

How do I get started with Diversified Insurance Brokers?

You can request a free quote online, call us at 800-533-5969, or schedule a free consultation directly with one of our advisors. There is no obligation and no pressure — just straightforward guidance from experienced professionals.

What makes Diversified Insurance Brokers different from other agencies?

We are a family-owned independent brokerage with over 45 years in business, an in-house Chief Underwriter, licensed Medicare specialists, and access to 100+ carriers. We work for you — not for any single insurance company — and our only goal is finding the right coverage at the right price for your specific needs.

Annuities

Fixed, indexed, bonus & income annuities — current rates from 100+ carriers

Life Insurance

Term life, high risk, business life insurance & planning guides from 100+ carriers

Disability Insurance

Own occupation, high risk, self-employed & 250+ occupation-specific coverage options

Medicare

Medicare Advantage, Supplement plans, Part A, B, C, D & enrollment strategies

Lifetime Income Planning

Retirement income strategies, account transfers & annuity income solutions

Long Term Care Insurance

Traditional LTC, hybrid policies & partnership plans from top carriers

Burial Insurance

Final expense, funeral planning & guaranteed issue policies from top carriers

Social Security Planning

Filing strategies, FRA, earnings test & retirement income coordination

Group Health Insurance

Level funded plans, stop-loss coverage & group health solutions for businesses

Travel Medical Insurance

International health coverage, medical evacuation & trip protection plans

Insurance Company Reviews

Independent reviews of 75+ annuity, life, disability, Medicare & LTC carriers

Lawsuit Loans & Legal Funding

Pre-settlement funding, lawsuit cash advances & legal funding for plaintiffs

Get a 2nd Opinion

Independent second opinion on any insurance or annuity quote from top carriers

Insurance & Annuity FAQs

Retirement income guides, annuity education, LTC, group health, wealth strategies & more

Last Reviewed: August 29, 2026 | Reviewed by: Jason Stolz, CLTC, CRPC, DIA, CAA
Chief Underwriter, Diversified Insurance Brokers, Inc. | NPN: 20471358 | Diversified Insurance Brokers, Inc. — Licensed in all 50 states

Fact Checked by: Tonia Pettitt, CMIP©
Medicare Specialist, Diversified Insurance Brokers, Inc. | NPN: 14374308 | Diversified Insurance Brokers, Inc. — Licensed in all 50 states

Did you find this content helpful? Leave us a Google review — it helps others find trustworthy guidance too.

Editorial Standards: Diversified Insurance Brokers maintains rigorous editorial standards to ensure accuracy, clarity, and independence in all content. Learn more about our editorial standards and commitment to transparency.

Big Enough to Serve. Small Enough to Care.

Quick. Simple. No obligation.

We Shop. You Save

Penn Mutual

Free Resources

What Our Clients Are Saying

Clients Served

Lost to Markets

Top Insurance Carriers

Premiums Issued

Financial Protection Means Something Different to Everyone

High Risk Life Insurance

Life Insurance

Medicare

Disability

Annuities

Business Insurance

Long Term Care Insurance

Group Insurance

Burial Insurance

Short Term Medical

Social Security

Special Needs Life Insurance

Licensed and Appointed in Every State.

Answers to Common Questions about the Insurance Products we Provide.

Team

Experienced Professionals, Committed to Excellence

Financial Protection Essentials

Frequently Asked Questions About Diversified Insurance Brokers

Big Enough to Serve.
Small Enough to Care.