Personal Lines
Personal Products
Commercial Lines
Commercial Products
Personal Lines

GFS is devoted to making sure that each individuals risk is examined and appropriately insured at the best rates available for the individuals risk class. We believe in anticipating and fulfilling our customer’s needs, while continuously refining the range of products and services we need to meet our client’s needs.

Personal Products
  • Auto
  • Motorcycle
  • Umbrella
  • Rental
  • Vacan Dwelling Home
  • ATV
  • Renters
  • Flood
  • Property Boat
  • Travel Trailer
  • Mobile/Manufactured Home
Commercial Lines

GFS is devoted to helping small, medium and large businesses navigate the daunting risk landscape. Our commitment to clients is to help transform risk into an advantage enabling the firms we represent to seize opportunity and achieve things they otherwise could not.

As your trusted source for commercial insurance, we take pride in the ability to protect your business enterprise from a variety of risk exposures. Perhaps you own your building, lease your workspace or possibly even work from home – our commercial property insurance solutions are there to protect your business physical assets.

At GFS, we work with you directly to review all possible risk exposures and vulnerable assets; allowing our agents to secure you a commercial property insurance policy that fits your businesses unique needs.

We believe in anticipating and fulfilling our customer’s needs, while continuously refining the range of products and services we provide.

Commercial Products
  • Business Owners Policies
  • Professional Liability
  • Commercial Umbrellas
  • Commercial Vehicle
  • Workers Compensation
  • Bonds General Liability
  • Directors & Officers
  • Special Events Coverage
  • Medical Malpractice Insurance
  • Commercial Builders Risk Fleets
  • Errors & Omissions
  • Farm & Ranch
  • Equine Liability
  • Inland Marine We also can provide coverage on your overseas risks
  • Ask us about our premium financing options!

If You Need Insurance Funding

You Can Contact Us For Premium Financing !


Risk is a fact of life, you can’t avoid risk but you can manage it. We will assist you in eliminating, reducing and planning for risk by delivering competitively priced individual life insurance, short term disability and long term disability .

Our Partnerships include:
  • Aetna
  • United HealthCare
  • Assurant
  • Coventry One
  • BHC Marketing
  • MetLife
  • Genworth Financial
  • Protective Life Insurance Company
Group Products Employee Benefits

We work with business small and large as well as corporations to design plans that meet their respective employee needs, including voluntary and supplemental products.

Our Partners Include:
  • Aetna
  • Coventry One
  • United Healthcare
  • Assurant
  • MetLife
  • BHC Marketing
  • Prism
More Information

If you would like more information about individual products or information about becoming a marketer or an independent agent, please contact; 

GFS Pre Need Business Unit

There are many events we celebrate in life…weddings, anniversaries, birthdays, holidays, retirement and more. We share them with family and friends, creating memories that last a lifetime and beyond.

Celebrations take planning…including the celebration of life – your funeral.

Preparation is key. By prearranging and pre – funding your funeral, you decide the type of funeral you want; locking in today’s prices for the future and making it easy on the people you care about the most, your family.

No one can change the inevitable, but when you prearrange and pre-fund your funeral, you choose.

Your life. Your plan. Your way.

Pre Need Quick Facts
More Information
Pre Need Quick Facts

GFS is the leading minority marketer of Pre Need and Final Expense products in the United States Currently working with approximately 35 Pre Need Counselors Our products and services are offered nationally, as well as internationally.

More Information

If you would like more information about our Pre Need or Final Expense product or information about becoming a marketer, please contact:

Click Here for a quick informational video

Why is Pre Need Important For Your Family?

According to the American Association of Retired Persons (AARP), funerals and burials are among the most expensive purchases older Americans make. The average cost for an adult funeral ranges from $4,500 to $5,500 and is expected to increase steadily over the next decade. One of the biggest advantages of prearranging is the ability to lock-in many of these expenditures at today’s prices, regardless of what they may cost in the future.

The number of people choosing to pre fund their funerals has dramatically increased over the last decade. Most do so after witnessing or personally experiencing the complicated and expensive process of planning and paying for a funeral. The fact that more and more people are prearranging indicates that most people recognize it as a valuable investment, as well as a loving and thoughtful gesture.

Funeral planning involves the relatively easy process of making plans for your own funeral-or that of a loved one-well in advance of need. It is no less practical, no less important, and no more complicated than planning for college tuition, a future wedding, a new home or retirement. Likewise, the advantages and benefits are no less valuable.

  • 1 Prearranging is the most selfless gift of love one can give.
  • 2 Is a very economical move. By prearranging, consumers lock in today’s prices for the future. This protects consumers and their family from future inflation.
  • 3 Removes the burden of making a major financial decision on the worse day of a loved one’s life. If planning the funeral today is difficult, imagine how hard it will be for loved ones to plan it at the actual time of need.
  • 4 Takes away the fear for your loved one of having to make hasty funeral decisions alone. It takes away the fear of making incorrect decisions and overspending.
  • 5 Gives loved ones peace of mind in knowing that they have taken this obligation off of the family.
  • 6 Gives the loved ones peace of mind to know that they do not have to second guess your desires.
  • 7 May help families qualify for Medicaid assistance.
  • 8 Can be paid for through easy monthly payments rather than paying cash at the actual time of need.
  • 9 Allows consumers the opportunity to have dignity to the end if they outlive their savings.
  • 10 Allows consumers to arrange all the details to reflect their own wishes. Nothing has changed, you have always known that if you want to be certain that things are done right, you do it yourself.
What is Pre Need Insurance?

Preneed Insurance is simply the funding vehicle that is used by the funeral home you choose when prearranging your funeral. By funding your arrangements through GFS’s carriers, you can be assured that your funds and funeral selection are safe and secure backed by our history of providing nearly a century of financial service to our members. And, GFS offers a wide range of product options that enable your preplanning process to be as simple and easy as possible.

What is the benefit of preplanning my funeral now?

By making funeral arrangement yourself, not only are you relieving the burden that your loved ones will face upon death, but you have the assurance that your wishes will be documented and carried out as you have chosen.

Why should I prepay when I make my prearrangements?

You will save money by ensuring that the services and products you have selected will be provided at the time of your death when your funeral home uses a GFS Preneed Product. Pre Funding also eliminates the situation of causing your family to have to pay extra at the time of your death.

What payment plans are available for Preneed?

Although single payments eliminate any further consideration on your part, GFS’s carriers offers payment plans over three years, five years, seven years and ten years that are available in monthly, quarterly, semi-annual, and annual increments. You may also choose to have monthly withdrawals made automatically from your checking account.

If I make prearrangements with my hometown funeral home and later move to a different city, can my funeral prearrangement be transferred?

Yes, with GFS Preneed products, you retain ownership rights to change the named funeral home and also designate a different beneficiary should you wish to do so in the future.

GFS Group Life, Health, Dental, Disability And Reinsurance Marketing
Business Unit

GFS has two distinct marketing strategies, one for direct group products and one for group reinsurance strategies that assist Fortune 500 firms with diversity initiative’s in the financial services space more specifically within the insurance space.

What is Group Reinsurance?
In What States is GFS able to Market?
What is Group Reinsurance?

Just as individuals or businesses purchase insurance to protect them from the financial consequences of property and liability losses, insurance companies purchase reinsurance to protect them from some of the financial consequences of insuring the loss of others. Reinsurance is very common between insurance companies, and is not usually disclosed to the person or the business that is buying the insurance. That’s why many employers and individuals are not aware of the amount of reinsurance that is routinely transacted on a daily basis.

In What States is GFS able to Market?

GFS is able to market both national and internationally and have minority Insurers capable of acting as a reinsurer under both.

What industries do you serve?

An increasing number of corporations, organizations and government clients from the industries listed below have used GFS’s marketing team to help them find a minority insurance company to reinsure their Group Benefits Program.

  • Aerospace & Defense
  • Airlines
  • Beverage
  • Chemical
  • Consumer Goods
  • Education
  • Energy
  • Government
  • Insurance
  • Motor Vehicle and Parts
  • Petroleum Refining
  • Retail
  • Securities Banking
  • Steel
  • Telecommunications
  • Tobacco

Who are your strategic partners?

GFS’s marketing team has built strong relationships with the following Major Group Benefits providers:

  • Aetna
  • Cigna
  • MetLife
  • Prudential Financial
  • The Hartford

Client’s GFS’s Marketing Team Has Helped?

  • Coca Cola
  • General Motors (GM)
  • Lockheed Martin
  • Proctor & Gamble
  • Delta Airlines

And many other firms.

How does the reinsurance program work?

The minority insurance company acts as a reinsurer as long as the employer’s group life insurance policy remains in force with the carrier.


There are three "must know’s" about GFS’s Group Reinsurance program. They are:

  • There is no change in administration or additional work for the employers Benefits or Human Resources Department.
  • There is no increase in the premium rate currently charged by the carrier; and
  • Program entrance is available throughout the year.
How do I get started?
  • Step 1 We’ll help you determine the percentage to reinsure
  • Step 2 Request your carrier to provide GFS with copies of your policies and the last 3-5 year’s experience for your company.
  • Step 3 GFS and your group carrier will work with a minority carrier to prepare a reinsurance contract. Just contact us and we’ll get the ball rolling.