11/04/2025
November 2025 update on Hours and Closures from……
A-C License & Title Service and Affordable Choice Insurance Brokers
Effective Immediately
A-C License & Title Service / Affordable Choice Insurance Brokers
Winter Hours
Closed Sunday and Monday
Tuesday - 8am to 5pm (closed for lunch 12-1)
Wednesday - 1pm to 5pm
Thursday - 8am to 5pm (closed for lunch 12-1)
Friday - 8am to 4pm (closed for lunch 12-1)
Saturday - 8am to Noon.
Upcoming November Holiday closures
DMV….Closed
Tuesday November 11th - Veterans Day
November 27th & 28th - Thanksgiving day and day after Thanksgiving.
A-C License & Title / Affordable Choice Insurance will be…
Closed
Thanksgiving Thursday November 27th
“Open” normal hours…..
Tuesday November 11th
Friday and Saturday November 28th and 29th
Normal schedule all other dates.
(See website for more information)
Reminder….
we handle all DMV services except Drivers Licenses.
we handle IDNR services (boats, boat trailers, hunting / fishing licenses)
we handle FOID / CCL Card New and Renewal processing
we handle Notary services.
Drivers License Renewal update…..
REAL ID - Now In Force
For Illinois residents who fly domestically, the U.S. Departmentof Homeland Security will require you to use a valid US Passport or have a REAL ID update on your license from the Illinois Secretary of State to fly domestically.
If you elect to use the Passport only (not obtaining the REAL ID) you are not able to access Military Bases or secure Federal Facilities after MAY 7, 2025.
(Note: this includes SAFB and Federal offices in the Metro STL Region.)
FOID (firearm owner identification)
CCL (concealed carry license)
Cards….
Current card holders are to submit renewal applications in order to remain valid.
CCL requires a course completion to apply or a refresher course to renew.
(You may apply to renew up to 180 days in advance of your expiration date)
Vendors may refuse to sell guns or ammunition if they cannot verify an account holder as valid.
We continue to offer FOID assistance with setting up new accounts or unlocking accounts to apply for a card or to renew a card.
Affordable Choice Insurance Brokers…..
we broker over 100+ Carriers across all lines of insurance coverage.
Vehicle and Property Insurance….
We have many carriers for…..
Auto. Motorcycle. Boat. ATV.
Home. Seasonal home. Landlord property. Renters. Etc.
Medicare and Individual “Off Exchange” Health policies…..
We offer Medicare Supplements and Health policy consultation.
Many carriers available.
(Health, Dental and Vision plans)
Business Employee Benefits and Business Commercial Policies…..
(Group Health, Dental, Vision, Life and Disability plans)
We currently have a NO minimum requirement Group Health plan available for Businesses.
January 1st effective date only.
Deadline is December 15th to enroll your employees.
Know a Business Owner in need of an employee group health plan and cannot offer due to restrictions?
Now is their chance !
Call our office.
We broker Business Insurance…
General Liability, Business Property, Work Comp, pay as you go Work Comp, Commercial Auto / Fleet, Employers Liability, and more.
Bonds….
We offer all Bond types.
Many now with “Instant Issue” on our website.
Payroll Processing…
We broker a very competitive Payroll Processing Service for Business Owners. We love referrals.
Life Insurance…..
We now offer quick issue Term Life policies.
Usually same day.
See ETHOS Link on our webpage.
We continue to offer traditional Life Insurance policies.
(Term, Whole life, Universal, Final expense, etc.)
Annuities…..
We offer Annuities as option to CD’s or other savings or financial needs products.
Ask about rates…
Having an fund raising event and want more participation?
We broker Golf event “Hole in One” and other event Prize policies such as Half Court Basketball shots, Hockey shots, Football kicks, etc. and Business team building policies.
Please do not hesitate to call our office with any questions you may have or to set up a time to discuss your particular needs
Customer Service is our number one priority.
We love our customers.
Sincerely,
Kevin M. Nowak
Agent / Owner
Vicki Nowak
Owner
www.AffordableChoiceIns.com
www.ACLicenseTitleService.com
www.AffordableChoiceLifeInsurance.com
www.AffordableChoicePayroll.com
