About Us

When you partner with National Insurance Associates, you receive more than just a policy—you gain a knowledgeable ally for your most important financial decisions. William J. Matthews, with experience spanning a generation and licenses in multiple states, works closely with individuals and families to help secure their financial future. Our approach is centered around understanding your unique needs and circumstances so that your loved ones are protected today and in the years to come.

Personalized Needs Assessment

We begin with an in-depth, comprehensive needs analysis. This means taking the time to discuss your current financial situation, your long-term goals, and the dreams you have for your family. For example, whether you’re planning for your child’s education, protecting your home, or ensuring income for your spouse, our process aims to consider all aspects of your life.

During this initial review, we:

• Identify key priorities such as mortgage protection, income replacement, and future educational needs.
• Assess existing coverage and identify potential gaps.
• Address questions about different types of insurance options in understandable terms.

By combining this information, we craft a customized Comprehensive Family Protection Plan tailored just for you.

Action and Implementation

Once we’ve established the right plan, we don’t simply hand you a policy and walk away. Our role is to ensure the action plan fits your life and your goals. For instance, if your main concern is making sure your spouse can remain in your family home if you’re no longer there, we match your concerns with targeted solutions—such as appropriate amounts of life insurance or an annuity program.

Our recommendations might include:

• Term and permanent life insurance for different timeline needs.
• Annuities designed to provide a stream of income during retirement.
• Riders or additional features that address unique circumstances (such as disability coverage or long-term care options).

Ongoing Review and Flexibility

Financial goals and family circumstances can change. Every year, we review your action plan to make sure it remains aligned with your evolving needs. For example, after a new child arrives, a career shift, or a significant financial milestone, we can revisit your coverage and make necessary adjustments.

This annual review process ensures:

• Your plan always reflects your most up-to-date priorities.
• You’re making informed decisions as life unfolds.
• You have the flexibility to adapt when needed.

Coverage for Every Phase of Life

Because every stage of life brings different challenges and opportunities, our insurance and annuity programs are selected with your current and future needs in mind. We aim to provide a steady foundation—so you can focus on enjoying the present while preparing for tomorrow.

Working with us means having an advocate dedicated to helping you protect what matters most, year after year.

 

An Independent Advantage

We are Independent Agents in Dover, Delaware, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. National Insurance Associates, The Matthews Agency LLC represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price. What is an Independent Insurance Agent? When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice! The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company. With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision. An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible. When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.