It isn't the best site on the net and is a work in progress...
I disagree with you. I think your site is one of the best sites I've seen for an insurance agent's site. I love the format. I really like the tabs above the slider (it's frustrating to use a theme that places the menu in tiny font at the top, or else in widgets below the fold line). If you don't mind sharing what theme you used, I would be grateful.