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About the Brenmark Insurance Group

Service truly separates the Brenmark Insurance Group from other insurance agencies. Located in the heart of the downtown Historic District of Concord, North Carolina, we work with both residential and business communities locally and throughout North Carolina and surrounding states for their insurance needs. We place all lines of insurance both personal and commercial.

For personal insurance we specialize in Final Expense Coverage’s, Mortgage Insurance, Auto and Home insurance plans.
For commercial insurance we specialize in Voluntary Employee Benefits, Business Property/Liability/Umbrella and Professional Liability insurance.
For all types of insurance, we are able to provide coverage for almost any risk. Additionally, we encourage our clients to call us when service is needed, be it a claim, billing or coverage issue. Our Brenmark Advisors are trained to relieve our customers of these burdens and resolve outstanding issues in a timely manner.

Our vision is to be recognized as “The Company You Keep” by putting our customers’ needs first, maintaining a high standard of excellence in customer service, and as brokers shopping for the lowest rates possible for your insurance needs.

Saving money is a vital concern for nearly everyone in these difficult times. As independent insurance brokers, we represent many insurance companies and unlike captive agencies (who only represent one insurance company) we shop among many insurance companies resulting in the best rates and plans for our clients. We help you get the coverage you need at a price you can afford.
All of your insurance needs are met under one roof, simplifying your life. You have just one number to remember.

Call us now at 704-782-0082 or email us at info@buy.insure


Life Insurance

What Type of Life Insurance Policy Is Right for You?

  • Final Expense / Senior Life Insurance
  • Mortgage Protection
  • Juvenile Insurance
  • Whole Life, Universal and Term Insurance

One of the most important decisions you need to make is what type of insurance is right for your situation. The biggest factor to consider is time. The longer you wait the more expensive the coverage will cost you and the higher the risk of coming down with an illness where the type of insurance plans you qualify for may be limited.

  • Final Expense Coverage –This plan is like a mini life insurance policy that covers funeral expenses and any outstanding bills that you may leave behind upon your death. This way, your family doesn’t get stuck with the bills. Final Expense Coverage is also known as “Burial Insurance, ” and traditionally is used to pay for funeral services, caskets, cemetery plots, and other miscellaneous death related expenses including outstanding medical bills, credit card debt, etc.
  • Mortgage Protection – Mortgage payments on average are the single largest source of personal debt in one’s life. Mortgage protection insurance will pay off your loan in the event of your death giving your family peace of mind and the protection they deserve.
    Juvenile insurance, also known as “Child Life” insurance is a permanent plan that insures the life of a minor. Purchasing a child whole life policy can be one of your greatest gifts of love by helping them plan for a more financially secure future.
  • Whole life insurance covers you for a lifetime where your rate never goes up, your death benefit never comes down and you can never be cancelled for coverage regardless of any changes in your health (except for non-payment of premium).
    Term life insurance is in place for a set amount of time, for example, 10, 20 or 30 years. This type of policy is the least expensive and provides your family with financial protection when it is most at risk, such as when you have a mortgage to pay, a car loan to pay and dependents relying on your income.

Business / Commercial Insurance

Group Health/Voluntary Employee Benefits

Voluntary (also known as supplemental) insurance has long served as a way to help protect employees when they’re sick or injured – regardless of their major medical insurance coverage. But now, more than ever, these benefits help provide employees with a financial safety net for unexpected medical expenses. Brenmark Insurance Group advisors will personally assess your current insurance plans and make recommendations on “gap coverage” for you to consider. Employees pay up to 100% for voluntary plans, but get the benefit of a group rate through their employer.

Health care reform has turned workers’ attention to their personal health care situations. They’re also looking closely at their insurance coverage to identify gaps that might leave them vulnerable to medical expenses they’re ill-equipped to pay. Enter voluntary insurance, a type of coverage that’s not required or mandated, with enrollment that’s completely optional – which is why it’s known as”voluntary.”

These plans can be added to companies’ benefits portfolios with no direct financial impact on their bottom line, and they give workers the opportunity to enroll in the options that best suit their needs and their budgets. This has also proven to be instrumental in building employee satisfaction and retention. These benefits provide your workers with added financial security and “peace of mind,” knowing that they are able to lower their risk of loss should an accident or illness occur.

Supplemental Plans can be customized to include: Dental, Vision, Pharmacy, Accident Hospital, Life Insurance, Confinement Indemnity Insurance, Short Term Disability, Cancer Insurance, Critical Illness Insurance (lump sum paid at diagnosis), and Long Term Care coverage.

Voluntary Employee Benefits

What Voluntary Benefits are Available?

There’s a huge range of voluntary insurance plans out there in the market , some examples include disability insurance, accident insurance, dental or ‘softer’ benefits that may include retail or ticket discounts, gym membership or ‘concierge services’ like collecting the dry cleaning.

According to Willis Towers Watson’s 2013 survey, the most common voluntary benefits under the four banners of health, wealth, security and personal are:


Vision insurance

Regular eye exams help maintain healthy vision and are the first line of defense in detecting more serious eye conditions, such as glaucoma, high blood pressure and diabetes. Vision insurance typically helps pay for eye exams, glasses and contact lenses. They may also offer discounts on treatments such as laser eye surgery or eyecare accessories.


Dental insurance can provide benefits for both routine and more expensive dental procedures that are not covered by most health insurance. They typically include cleaning, fillings, sealants, tooth removal, crowns and dentures – and may also provide benefits for regular dental appointments.


Accident insurance plans can help offset the unexpected medical expenses that may result from a covered accidental injury. Typically, they help cover some of the expenses for initial care, surgery, transportation and lodging, and follow-up care.

Critical Illness

Critical illness insurance can complement major medical coverage by providing a lump-sum benefit for an employee diagnosed with a covered critical illness, such as heart attack, stroke, coronary artery bypass surgery, end stage renal failure or major organ transplant – among others. Benefits are typically paid to the directly to the employee, so they can be used where they’re most needed.

Hospital indemnity

Hospital confinement indemnity insurance provides a lump-sum benefit to help with out of pocket costs related to a hospital stay . This may include outpatient surgery, diagnostic tests, doctor’s appointments and emergency room trips.



Disability insurance replaces a percentage of an employee’s income if they become disabled as a result of a covered accident or sickness, to help them continue to make ends meet while they’re out of work.


Legal typically gives employees access to qualified attorneys at a reduced cost. Coverage usually applies to the most common personal legal matters including family, vehicle, real estate, civil lawsuits and wills.

Financial counseling

Financial counseling helps employees manage their finances. Traditionally, this has mainly focused on retirement plans, but as baby boomers approach the end of their working careers, financial counseling now also includes a range of topics such as credit card debt, investment advice, tax advice, saving and budgeting.


Life insurance

Life insurance pays out a lump sum to help provide financial protection for an employee’s family members in the event of the employee’s death. Coverage can be updated to reflect changes in life such as getting married, buying a home or having a child. Most plans offer spouse and child coverage.

Long-term care insurance

Long-term care insurance pays a daily amount (up to an agreed pre-set figure) to help provide for people who need long-term help with day-to-day activities such as dressing, eating, using the toilet, getting in and out of bed or a chair and walking, among others. This may include care at home, daycare, care at a hospice or nursing home, or at a similar facility.

Personal travel accident

Travel accident insurance is designed to provide extra protection while travelling internationally, supplementing coverage typically provided by an accidental death or dismemberment policy. It typically covers emergency medical and legal fees.

Identity theft

Identify theft insurance does not cover any financial loss as the result of identity theft. Instead, it may include monitoring public records and alerting the employee to any fraudulent use of their personal details, including attempted loans and credit applications. It also covers the cost of repairing the person’s credit history.


Other Personal and Commercial Insurance

Personal Auto Insurance

As an insurance brokerage, we can shop for the best coverage and rates for you among some of the top rated auto insurance carriers in the nation. We shop, you save, simple. While we offer state approved plans from multiple carriers, our preferred company because of rates, stability, claims payments and customer service is Progressive.

Personal Home Owners / Renters Insurance

A homeowner’s policy is for people who own their own home. This may be either a house or a condominium. Essentially, if you are making payments on the home with ownership as the end goal you will need homeowner’s insurance. This type of policy will cover both the outside of the home and all the contents of your home.
With a renter’s policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control.

Commercial Insurance

Business owners should carefully consider their Commercial Insurance needs, which offer a range of vital protection related to the business. From vehicles to property and the employees within the business, owners can safeguard their investment and lessen the risk of a scenario affecting its growth and presence. The following areas represent some of the primary Commercial Insurance needs that any business should approach.

  • Commercial Auto Insurance
  • Commercial General Liability Insurance (CGL)
  • Commercial Property Insurance

A commercial property insurance policy could be thought of as a commercial version of a home insurance policy. You will find similar covered items, such as fire, theft, and natural disasters that pertain to the business property. If your business has some type of physical location, it would require a property insurance policy.