Our Foundation
About Fortress Insurance & Benefits Group
Fortress Insurance & Benefits Group is an independent insurance brokerage based in Sea Bright, New Jersey. We represent multiple insurance companies and help individuals, families, and businesses compare coverage options.
Our Principal
We are a brokerage, not an insurance company. The insurer named in each policy provides the coverage, subject to its terms. Our role is to help you understand your options and choose coverage that fits your needs.
Annette Raynor, Principal — a licensed New Jersey insurance producer who founded Fortress to bring patient, plainspoken guidance to families and businesses on the Jersey Shore.
After years in the industry witnessing the commoditization of advice, Annette recognized a profound need for a different approach. Policies were too often sold off-the-shelf, driven by quotas rather than client realities.
We help you compare coverage options and understand policy terms. For a New Jersey home, our homeowners and coastal-property guide explains what to have ready for a coverage review, including occupancy, roof age, and current coverage.
Our Principles
The immutable laws that govern every recommendation we make.
1
Fierce Independence
We are untethered from carrier quotas. Our loyalty is entirely to our clients, allowing us to source the exact right coverage without compromise.
2
Radical Transparency
We explain the good, the bad, and the fine print. If a policy has a weakness, you will know about it before you sign.
3
Long-Term Architecture
We don't sell policies; we build fortresses. We look ten, twenty, and thirty years down the line to ensure your strategy endures.
