A few bits (may have already been said above, (I hope this comes across as to the point and not picky
)
assuming you have creative control of the site (although it looks like you are using squarespace)
1) find an HTML header module online and use that for your page links on each page, underlined text tends not to look as good.
2) Empty blank space at the bottom, look for <p></P at the end of your code and remove them.
3) Your hosting package should provide you with a free domain based email address, hotmail ones never look good.
4) Commercial page a bit wordy but not necessarily bad, I would justify the text (anything about insurance?)
5) Payment page could actually have the details of the ways to pay, not just list them
Hope this helps!