Sawyer Donnell, Get EC Insurance

04/03/2026

Quick quotes, quickly apply. No need to chat with a sales rep unless you want to. And I'll be happy to help.

04/03/2026

I'm not here to sell you. But to educate you of the possibilities. With one requirement: You must have a long term mindset to appreciate these types of plans.

Most people think of life insurance as a "one and done" policy. But if you’re a homeowner, a parent, or a business owner, your needs aren't static—they change as your life grows.

As you can see in the video below, In less than 2 minutes, you can quote yourself across dozens of top-rated carriers like Mutual of Omaha, Prudential, and MassMutual, and even apply the moment you find the right fit.

Quote yourself on your own time here: 🔗 https://getecinsurance.com/ #/

Here is how we use these tools to build a "no-holes" defense for our clients:

1. The Mortgage Protection (30-Year Term)
In the video, I ran a simple 30-year term. For roughly $30–$40 a month ($400–$500/year), you can ensure that even if you aren't around to help with the bills, your family stays in their home. It is the most cost-effective way to lock in peace of mind for the duration of your mortgage.

Maybe you don't need 30 or 40 years? We have options from 40 years all the way down to 10. With only a few years left of your mortgage, just get a very cost effective 10 year and feel free to cancel it once your mortgage is fully paid.


2. The College Layer (Convertible Term)
While College is the primary example used by most agents(for a good reason, it's expensive!)
We often layer a $250,000 Convertible Term policy (10–20 years) on top of mortgage protection. This ensures the college fund is there no matter what. Or, money is available for whatever the family or kids see fit at the time.

Once the kids are off to college, you have a unique power. You can transfer that temporary coverage into Permanent Coverage with cash value savings features.
No Underwriting: You do this without a new medical exam. Remember, your health in 20 years is a wildcard; this feature locks in your "younger self" insurability for the length of the policy. So now you are 55 or 60 and ready to convert the policy into a potential supplemental income stream for retirement. You don't have to worry about medical exams because we all know how things change near that retirement age.

3. The Business Growth Layer ($1M+ Term)
If you are an entrepreneur taking on a $500k or $1M loan to scale your business, you cannot leave that debt to your family or partners. High-limit term policies can act as a safety net for your business debt, ensuring your family or partners are not burdened not only with your loss, but not a huge financial loss.

As an independent broker, I don't work for one carrier. I shop a massive network of providers—including Nationwide, New York Life, Transamerica, and Pacific Life—to find the best coverage for the best dollar. I’m not a commission chaser; I’m a risk architect.

Don't sail a ship with holes in the hull. Plan today so your family and business can thrive for decades to come.

👇 Run your own 2-minute quote and see how affordable protection can be:
🔗 https://getecinsurance.com/ #/

If you want to discuss building a long term plan to make sure insurance covers all your endeavors, book a meeting and we can dive into much more detail:
https://calendly.com/sawyer-getecinsurance/30min?month=2026-04

04/03/2026

Licensing Bonds, Court Bonds, Construction Bonds, and more available here: 🔗 https://getecinsurance.com/ #/bond

For the more complicated Court Bonds, here is a brief educational bit about how they work. They are built to protect both sides. And these often come up in Estate handling procedures if the courts have to get involved.

In the legal world, a promise isn't always enough—the court often requires a financial guarantee. Whether you are appealing a judgment or stepping into a role as a protector of an estate, a Court Surety Bond is the mechanism that ensures you fulfill your responsibilities as ordered by the law.

1. The Appeal Bond
If you are pursuing an appeal after a lower court verdict, the court wants to know the funds are ready if the judgment is enforced. An Appeal Bond guarantees that the Principal will pay the amount of the judgment, plus costs and interest, if the verdict stands.

The Exoneration: If the verdict is overturned and vacated, the bond is exonerated.

The Risk: If the judgment is upheld, the bond ensures the capital is there to satisfy the original verdict immediately.

2. Probate – Guardianship
When an individual is appointed by the court to administer the affairs of a minor or a person unable to care for themselves, the court requires a guarantee of "faithful performance." This bond protects the vulnerable party from mismanagement, ensuring that the appointed guardian acts with total integrity.

3. Probate – Fiduciary or Executor
Administering the finances of an estate as outlined in a will or trust is a massive responsibility. If a person dies without a named executor, the court appoints one.

The Fiduciary Duty: This bond guarantees that the executor handles the assets exactly as directed.

The Beneficiaries: While the court is the named Obligee, these bonds exist to benefit anyone with an interest in the estate’s assets.

Don't let a bonding requirement stall your legal progress or estate administration.

Secure your court bond or find the bond structure that fits your specific legal requirements at the most competitive rate.

🔗 https://getecinsurance.com/ #/bond

Personalized coverage for your home, auto, business, and life. Experience the difference of a dedicated agent vs. a call center.

02/20/2026

🍽️ Is Your Restaurant Protected for Every Course? Read more if you are shopping insurance for your food & beverage biz.

Running a restaurant is a labor of love, but one kitchen fire, guest injury, or equipment breakdown can put your hard work at risk. You focus on the menu; let us focus on the "what-ifs."

We offer comprehensive, all-in-one coverage designed specifically for restaurants, bars, and taverns. From your first hire to your grand opening and beyond, we provide straightforward protection that grows with your business. Policies are flexible, and customizable. No need to be drastically over insured if you are not expecting to expand this year or next.

And you absolutely do not want to be underinsured.

So, What’s on the Menu?

General Liability: Coverage for guest injuries, foodborne illnesses, or unexpected allergic reactions.

Property & Equipment: Protection for your building, kitchen equipment, and business personal property.

Liquor Liability: Essential protection for establishments serving alcohol.

Workers’ Compensation: Keeping your people safe on the job.

Loss of Income: Helping you keep your money where it belongs if operations are interrupted.

Why Work With a Broker?

Tailored Fits: Mix and match coverages to meet your specific needs, whether you're a pop-up or fine dining.

Simplified Billing: One policy, one bill, and one point of contact.

Fast Quotes: Get a bindable quote in minutes so you can get back to the kitchen.

Ready to protect your business today and as it grows? Book a call or text me and we can get you a quote asap: https://calendly.com/sawyer-getecinsurance

I'll provide more details on the numbers in the comments.

02/18/2026

We finally got a upgrade that can change an insurance strategy dramatically: Deductible Reimbursement Coverage up to $1 million with little to no underwriting. Due diligence beyond, up to $100 million in TIV.

Why your 5% wind deductible is a 100% loss for your business.

As a claims specialist, I’ve seen the same heartbreaking scenario play out a hundred times: A property owner suffers a major event, files a claim, and then realizes their "protection" is an illusion. The deductible kicked in at a whopping 10% of the TIV and not just the claimed amount. TIV is your total insured value. Well, the total value might be a $30 million, when the claim it's self is only $2 million. Your deductible just ripped you a new one.

For many, that means the claim is "wiped out" before it even starts. You aren't just sharing the risk; you're bearing the entire burden. This is the "Death by a Thousand Cuts"—where one storm stops your recovery in its tracks because you don't have the liquid capital to bridge the gap.

The strategy now, thanks to the changing market across the globe is The Premium Offset.
Sophisticated owners are now raising their primary deductibles to slash their primary premiums, then using those savings to fund a Deductible Buy-Back. In our scenario above, that $3 million deductible ain't so bad anymore.

Real-World Example: We recently moved a healthcare facility from a $190,000 exposure down to just $10,000 for a fraction of the cost.
~Their wind/hail and hurricane deductible is $190,000. In one hurricane event, they sustained $225,000 worth of damage. That deductible just created a huge hole in their pocket they now have to look for other means to fill without the deductible coverage.

Thanks to the new policy, for $10,200/year, that deductible dropped to $10,000. If we had it back then for the hurricane, that would've been $215,000 to put towards the rebuild instead of the $35,000 from the real life incidient.

🏗️ Why It Matters for Your Portfolio:
It's real simple, Protect Liquidity: Keep your cash for operations, not for insurance "gap" reserves.

Level Your Risk: Standardize your net retention across different geographies, from coastal Florida to inland Texas. With private flood insurance well into the millions, umbrellas, and these flexible deductible reimbursement strategies, you can have a rock solid protection plan.

Don't let a "waiting period" or high deductible turn a minor disruption into a permanent loss. I've seen it many times over handling claims as a Public Adjuster. Multi million dollar operations, washed away.

Don't let a deductible be the reason you can't rebuild. Protect your liquidity. 🛡️

Interested? Book a call here, quotes are quick and very flexible:
https://calendly.com/sawyer-getecinsurance

01/31/2026

STOP RELYING ON A $250,000 CAP TO PROTECT YOUR COASTAL PROPERTY. 🌊🏠

If you have a standard FEMA (NFIP) flood policy, your coverage for your structure is legally capped at $250,000. In today’s market, that isn't a safety net—it’s a massive financial liability.

It’s time to move past the "One Size Fits All" government plan.

We've got options for private flood insurance, to completely cover those assets with beautiful sunset views. Hotels, Condo's, Apartments, or that Rental property portfolio you built up, there is real coverage available for all of it.

✅ LIMITS UP TO $7 MILLION: Don't get stuck with a $250k cap. Get coverage that actually reflects the replacement cost of your asset.

✅ TEMPORARY LIVING EXPENSES: FEMA won’t pay for your hotel or meals while your place is being rebuilt. Our private options do.

✅ NO 30-DAY WAITING PERIOD: We can often get you covered in 10 days or less. FEMA makes you wait a full month.

✅ POOL & BASEMENT COVERAGE: Protect your entire property, including the "luxuries" the government excludes.

I’ve spent 7 years in the claims world seeing exactly how these "coverage voids" destroy families and businesses financially. I don't just sell policies; I make sure your insurance plan has no leaky holes in it.

Reach out if you are interested in learning more about this kind of coverage for your water side assets.
https://calendly.com/sawyer-getecinsurance/30min?month=2026-01

11/25/2025

My goal is to provide options! Here is your link giving you direct access to multiple carriers—for both government-subsidized and private Health Insurance Plans.

Your advantages using this link:

✅ See ALL Your Options: Shop ACA/Marketplace and Private Health plans side-by-side.

✅ Compare & Customize: Find the right network and deductible that fits your budget or provides the most coverage.

✅ Shop on Your Schedule: Quote and apply on your own time, with my professional advice always available.

Why deal with one company when you can compare them all? Sometimes you don't need all the extra amenities. You are healthy, and just need catastrophic coverage. Those options are available for you here.

Click below now to start shopping smarter.

Start enrolling faster with HealthSherpa, the largest ACA quoting and enrollment platform for agents and agencies.

11/21/2025

Need Business liability or E&O insurance?

Contractors, Consultants, Freelancers, & Adjusters: If you work with clients, you need protection now.

It's not optional. General Liability protects you from injury claims, property damage, and lawsuits. E&O protects your advice and services.

~Commercial General Liability, Property, and Umbrella
~Errors & Omissions
~Professional Liability

You can quote and secure coverage today. Click the link to customize your coverage and lock in protection.

11/20/2025

You don't want to talk to anybody about life insurance? Great, we don't want to talk to you either.

Get your quotes online and at your own pace. Happy with the price? You can apply in the same place.

Hi, I'm Sawyer! I'll get your life insurance quotes in seconds. Ready to go?

10/30/2025

We hear it all the time: “Download this app—track your spending—watch your money grow.” But real results matter. A new Fed-backed study via Forbes takes a deeper look at whether budgeting apps are truly shifting consumer habits—or just creating more noise. Curious what the data shows? Take a look here:
https://bit.ly/49spG2A

Let’s talk about what really works for you – tools, mindset, and goals. I’m here when you’re ready.

09/18/2025

Textbooks, tuition, room and board… even late-night pizza runs. College costs add up fast. The right savings strategy can make it manageable. When it comes to paying for college, this article offers some great guidance and tips:
https://nyl.co/3K6tTOV

Let’s talk—I can help you find the approach that works specifically for your college savings goals.

09/01/2025

Today we recognize the hard work and dedication of workers everywhere. Enjoy a well-deserved break!