Thinking AheadMatters
Home, auto, life, health, and Medicare coverage — shopped across top-rated carriers and built around your life. One trusted advisor, every policy, all in one place.
Insurance, the way it should be
Ahead Of Time Insurance LLC is an independent agency built on a simple idea: the best time to protect what matters is before you need it. We shop the market across dozens of top-rated carriers so you get the right coverage at the right price — never a one-size-fits-all policy.
From your first quote to every renewal, ID card, and claim, you work with a licensed advisor who knows your name and your goals. And with our online portal, your documents, certificates, and payments are always a click away.
- 2
- States Licensed
- 12+
- Coverage Lines
- 20+
- Top-Rated Carriers
- 1
- Trusted Advisor
Coverage for every part of life
From your home and cars to your health, your family, and your business — one agency, every line of coverage, shopped across the market for you.
Home Insurance
Protect the place your life happens.
Auto Insurance
Coverage that keeps you moving.
Life Insurance
Peace of mind for the people you love.
Health Insurance
Care you can count on.
Medicare
Guidance for every stage of retirement.
Medicaid
Help navigating public coverage.
Dental Insurance
Keep every smile covered.
Vision Insurance
See the savings clearly.
Annuities
Turn savings into lifelong income.
Boat & Watercraft
Confidence on the water.
Umbrella Insurance
An extra layer over everything.
Home Insurance
Comprehensive homeowners, renters, and condo coverage that safeguards your property, belongings, and liability — with policies tailored to Wisconsin and Florida risks.
Learn MoreAuto Insurance
Competitive auto coverage from top-rated carriers — liability, collision, comprehensive, and full roadside support, quoted across multiple carriers to find your best rate.
Learn MoreLife Insurance
Term and whole life policies that protect your family's future, cover final expenses, and build lasting value — matched to your goals and budget.
Learn MoreHealth Insurance
Individual, family, and group health plans plus ACA marketplace guidance — we help you compare networks, premiums, and benefits to find real coverage.
Learn MoreMedicare
Medicare Advantage, Supplement, and Part D plans explained in plain language — with a licensed advisor who shops the whole market for you at no cost.
Learn MoreYour policies, always at your fingertips
Manage everything online in your secure account — no phone tag, no paperwork. Available to every Ahead Of Time client.
Digital ID Cards
Download or text yourself proof of insurance in seconds — auto, home, and more.
Policy Documents
Access declarations, policies, and statements anytime in one secure vault.
Certificates of Insurance
Request and receive COIs and Acord certificates on demand for lenders and vendors.
Request a Change
Add a vehicle, update an address, or adjust coverage — submit changes online.
Make a Payment
Pay premiums securely and set up autopay so you're never caught off guard.
File & Track Claims
Start a claim and follow every step with a dedicated advocate in your corner.
Commercial Insurance
We don't just protect families — we protect the businesses that power our communities. From a one-person shop to a growing fleet, we build commercial programs across top-rated carriers.
Business Owner's Policy
Property + liability, bundled and simplified.
General Liability
Protection against the everyday risks of doing business.
Commercial Property
Safeguard your building, inventory & equipment.
Workers' Compensation
Required coverage that protects your team.
Commercial Auto
Coverage for your vehicles and fleet.
Professional Liability (E&O)
Defense against claims of error or negligence.
Cyber Liability
Protection for data breaches and cyber attacks.
Commercial Umbrella
Extra liability limits over your policies.
Protect Your Future
The right coverage isn't about today — it's about being ready for whatever comes next. Let a licensed Ahead Of Time advisor build a plan around the people and things you care about most.
Let's plan ahead together
Tell us a little about what you're looking to protect and a licensed advisor will follow up — no pressure, no obligation.
Call Us
800-213-3384
Mon–Fri, 8:00am – 6:00pm CT
Visit Us
5151 S Howell Ave, STE A
Milwaukee, WI 53207
Licensed In
Wisconsin · Florida
Commercial lines available nationwide