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red Carpenter & Associates is an independent insurance brokerage firm specializing in services to the small and medium size business and to the executive, personal and professional markets.

Fred A. Carpenter Jr. CLU, the firm's principal, has over 35 years of insurance experience. Services and products range from all types of employee benefit programs to business insurance and wealth conservation planning. Personal insurance products include annuities, life, disabilty income, long term care, critical illness and medical.

Fred Carpenter & Associates represents more than 35 top rated insurance companies. Such multiple company representation assures clients of the competitive product choices that they expect and deserve.

Fred enjoys and appreciates the many long term relationships that have brought the company success over the years. A mutual respect and benefit seems to be the result when friendly and personable service is combined with the most current insurance offerings and thoughtful ideas.