01
SEE THE BIG PICTURE
Protection checkup
A conversation about what matters to you, the protection you already have, and the gaps worth a closer look.
Life • Health • Income • Long-term care
A LOCAL RESOURCE. A HUMAN APPROACH.
Life is personal.
Your guidance
should be, too.
Clear answers for life, health, and the road ahead. I’m Paul Teifer—your neighbor, a licensed insurance broker, and someone you can turn to when you need a little direction.
No pressure. No obligation. No judgment.
Focused on you.
Based in Martinsburg, West VirginiaLicensed in WV VA MD PA
HOW I CAN HELP
A good place to start.
You don’t need all the answers.
You just need a place to ask the questions.
02
UNDERSTAND WHAT YOU HAVE
Policy review
Make sense of your existing coverage, review beneficiaries, and talk through whether your policies still fit your life.
Coverage • Costs • Gaps • Next steps
03
FIND A PRACTICAL NEXT STEP
Community guidance
Sometimes the help you need starts with a local resource or the right connection. Let’s figure out where to begin.
Resources • Referrals • Local connections
ALSO HERE FOR
Questions about life and health insurance, retirement, or annuities? We can talk through your needs and the options available to you.
Martinsburg & the Eastern Panhandle
MEET YOUR LOCAL GUIDE
Hi, I’m Paul.
“If I can help, I will. If I can’t, I’ll do my best to point you to the right place.”
I started Horizon Guidance around a simple belief: people deserve someone who listens before offering an answer.
I’m a licensed life and health insurance broker, but our conversation starts with you—your family, your concerns, and what would make life a little more manageable. Sometimes that means looking at coverage. Sometimes it means connecting you with a local resource.
Through relationships with local businesses and community organizations, I work to help people find a practical next step.
WHAT TO EXPECT
First, I listen.
Real conversation.
Clear choices. Your decision.
Tell me what matters.
Your goals, questions, and day-to-day concerns set the direction. We start where you are.
Make sense of your options.
We look at what’s working, what deserves attention, and which resources might help.
Choose your next step.
A review, a referral, a follow-up—or time to think. You’re in charge of what happens next.
A protection checkup is a conversation tool. Every recommendation starts with your individual needs.
BEFORE WE TALK
A few good questions.
And a few straightforward answers.
LET’S START HERE
What’s on
your horizon?
You don’t need a perfect plan or a folder full of paperwork. Tell me a little about what you’d like to discuss.
A conversation with a real person.
A next step that makes sense for you.
Request a conversation below. Your request is saved for Horizon Guidance and emailed to Paul; an appointment time is arranged separately.