Terry Gross

• September is Life Insurance Awareness Month! Have you considered how your loved ones would be financially protected if something were to happen to you? Contact us to learn more about the importance of life insurance.

  September is National Preparedness Month! Are you and your family ready for unexpected events? Let’s review your homeowners, renters, and life insurance policies to make sure you’re protected. #BePrepared #InsuranceAgent

For more than 37 years, I've proudly served as a State Farm Agent in the Frankfort and Lincoln-Way communities, helping individuals, families, and business owners protect what matters most. Since opening my agency in 1989, I've built my practice on providing knowledgeable guidance, personalized service, and long-term relationships based on our professional approach we give each person we help with their insurance needs.

My team and I bring more than 50 years of combined State Farm agency experience, allowing us to help customers confidently navigate their insurance decisions. I hold the Life Underwriter Training Council Fellow (LUTCF) designation, demonstrating my commitment to professional education and helping customers make informed choices about their insurance and financial protection.

We offer personalized coverage for Auto, Homeowners, Renters, Life, Business, and Health Insurance. Whether you're purchasing your first policy, reviewing your current coverage, or relocating to Illinois or Indiana, we'll take the time to understand your needs, answer your questions, and recommend coverage that's right for you.

Exceptional customer service is the foundation of our agency. In an industry where personal attention can be hard to find, we believe every customer deserves honest advice, responsive communication, and a local team they can count on before, during, and after a claim.

As a longtime resident of the Lincoln-Way area, I'm proud to have raised my family here. My children attended Lincoln-Way schools, with one graduating from Providence Catholic High School. Giving back to the community has always been important to me, and I've been honored to serve as a Past Village Commissioner, a former member of the Lincoln-Way High School Foundation for Education, and a current Chamber of Commerce member. My family and I continue to support local schools, organizations, community events, and civic initiatives.

I'm a graduate of Illinois State University with a Bachelor of Science in Education, and I believe educating customers is one of the most valuable services we provide. We proudly serve customers throughout Illinois and Indiana, with a special focus on Frankfort, New Lenox, Mokena, Manhattan, Joliet, Orland Park, Homer Glen, Will County, and surrounding communities.

Whether you prefer to call, click, text, or stop by our office, we'd love the opportunity to provide a free Auto, Home, Life, Business, or Health Insurance quote and help you protect what's most important to you. The greatest compliment we receive is the referral of your family, friends, and neighbors! We're very grateful the loyalty our customers have placed in our agency for more than three decades.

Frequently Asked Questions (FAQs)

Q: How can I compare auto insurance quotes?

A: Getting a car insurance quote is easier than you might think. You can start online, give our office a call, or stop by to talk through your options. We'll help walk you through coverage choices and help you find something that fits your needs. Terry, your local State Farm agent in Frankfort, IL, is here to help.

Q: How soon can I get insured for my car?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. Have questions? Terry in Frankfort can walk you through your options.

Q: What kind of insurance do I need for a leased vehicle?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Terry works with Frankfort residents to find coverage that fits.

Q: What does renters insurance cover?

A: Renters insurance can help cover your personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable due to a covered loss. Connect with Terry for insurance guidance in Frankfort.

Q: Do you have to have home insurance?

A: Homeowners insurance requirements can vary depending on your state and situation, but most lenders will require it if you have home financing. Even when it's not required, many homeowners choose to carry coverage to help protect their home and financial well-being from unexpected events. In Frankfort, you can count on Terry for personalized service.

Q: What happens when you have life insurance in place?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. As long as coverage remains active, it can help give your loved ones financial support when they may need it most. Terry is here to help your Frankfort household feel covered.