Mike Fernandez

Meet Mike Fernandez, State Farm Agent in New Lenox, IL

I’ve spent 29 years in insurance and financial services and so excited to be here in New Lenox, the place I've called home since 1990. Before that, I proudly served in the U.S. Air Force. Both jobs taught me the same thing: show up, do the work, and underpromise and overdeliver.

I’m licensed in Illinois, Wisconsin, and Indiana, and my team and I help people in New Lenox and the surrounding towns - Mokena, Frankfort, Manhattan, Orland Park, Joliet - with everything from auto and home coverage to life insurance and small business protection.

I don’t believe in one-size-fits-all policies. Every review starts with a real conversation about what you actually own, what you’re actually worried about, and where your coverage might have gaps you don’t know exist. Then we build from there.

What Sets This Agency Apart

• U.S. Air Force veteran with 29 years in insurance and financial services

• Licensed in Illinois, Wisconsin, and Indiana

• Education-first approach where recommendations are personalized, not one-size-fits-all

• Long-term customer relationships built on integrity and follow-through

A few things people ask me most:

Do I need more than the minimum on my auto policy? Usually, but it depends on what you drive and what you’d lose in a bad accident. Let’s look at your specifics.

Am I covered if a pipe bursts? Probably. If your basement floods from rain, probably not. The line between those two matters, and I’ll walk you through exactly where yours falls.

Do I need an umbrella policy? If you’ve got real assets to protect, or a teen driver, a pool, or a rental property, then likely yes. Worth a five-minute conversation.

How much life insurance is enough? Not a formula. It’s about your income, your debts, and who depends on you. I’ll run the real numbers with you, not a rule of thumb.

If you’re buying a house, having a kid, starting a business, or just haven’t looked at your policy in a few years, then let’s talk. No pressure, no scripts, just a straight answer about where you stand.